vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
On XX/XX/2022 I finally set up monthly autopay on my aspire credit card, and noticed for the first time that my monthly payments were not bringing my debt down, therefore, I researched my e-statements and discovered that the minimum payment due indicated on my app account portal dashboard doesn't reflect the actual minimum amount due, as a result, I made the minimum payment due on my dashboard but since it is not the actual amount owed I've been charged with late fees. I have screen shots to support my argument. I have since cancelled autopay and will check the actual amount due before I make a payment, but I don't know how much money I lost due to this unfair credit card debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I just got paid today XX/XX/2022, and I go to check my Wells Fargo account to see my funds to plan accordingly with my payments, mainly to move funds around for bills etc. 

I noticed a charge for {$63.00} XXXX XXXX. AZ XXXX Additional Info Category DIRECT MARKETING- CONTINUITY/ SUBSCRIPTION MERCHANTS Transaction description PURCHASE XXXX XXXX I dont even own a computer to have XXXXXXXX XXXX purchased. I called the XXXX number and was greeted by a foreigner named XXXX who then tried to have me give him more information about my Wells Fargo account. To which I then hung up the phone to dispute this unauthorized purchase. 

My old Wells Fargo Debit card also had a unauthorized charge. They cancelled it, got a new one, and it hasnt even been a week since I had this card before I was charge do again. I even have the time stamp of XXXX. I currently didnt even have any money at the time of this unauthorized charge. Because when I checked my spam emails I noticed that I received one from Wells Fargo indicating that my account had reached XXXX dollars. When I actually had about XXXX dollars in my account prior to my pay check coming in. I just want these unauthorized purchases to stop

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Social Finance, Inc.
State: OK

Complaint narrative:
I was told verbally and in an email from a company representative that my loan would have a 0.50 % rate discount. After I signed the papers, I only had a 0.25 % rate discount. After several calls to SoFi I was told that my loan only qualifies for the 0.25 % rate discount.

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: PA

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 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts Jefferson Capital Systems LLC for the amount of {$1500.00} and XXXX  for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 — Information belongs to someone else
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
While reviewing my credit report I've noticed several accounts did not belong to me, Ive tried disputing, also sent in a police report stating these accounts were fraudulent, Ive reached out to the companies to no avail. My identity was stolen and used in a malicious manner. On XXXX XXXX  XXXX stated I owed them {$720.00}, Ive contacted the company several times with no resolutionXXXX XXXX was placed on my credit report stated I owed them {$300.00} I contacted this company no resolution made. On XXXX Fifth Third Bank stated XXXX had an balance from a car I never purchased in the amount of {$47000.00} XXXX contacted the company and it was taken off one of my credit reports but not all three.On XXXX. On XXXX XXXX XXXX stated I owed them {$140.00} for account that I never opened I did contact the branch but no response.On XXXX XXXX XXXXXXXX stated I had an account with them in the amount of {$1100.00} which was also fraudulent tried to contact company and no one has returned my call to discuss this matter. XX/XX/XXXX XXXX which is affiliated with Fifth Third also placed an account on my credit which I contacted this company and sent my police report just all the other companies and they have yet to remove the account from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: LA

Complaint narrative:
A credit card with Avant/XXXX XXXX was opened in my name without my consent. The account was opened on XX/XX/2022. I contacted the company on roughly XX/XX/2022 and said that the card was opened fraudulently and despite my complaint, they would not close the account. On XX/XX/2022 I received an email from Avant and they said they did not have sufficient evidence to close my account despite my complaint. On XX/XX/2022 I received another email where Avant said they closed the fraudulent account due to " Inconsistent account information '' but on the same day I received another email where Avant said that they do not have enough evidence to support that this application was submitted falsely. I am telling them this was submitted falsely and they found inconsistent account information. The account still appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NC

Complaint narrative:
XX/XX/2022 SPRING OAKS CAPITAL LLC contacted me about a debt through the mail. I asked for validation from them through the mail which hasn't been provided. I received a letter dated XX/XX/2022 on the XX/XX/2022. I haven't been given time to dispute validity. It hasn't been 30 days and it showing up on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
My card was stolen and Direct Express notified! After it was stolen someone charged {$470.00} on XX/XX/XXXX ; {$1100.00} with XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX & {$130.00} with XXXX XXXX. Direct Express sent me a TXT before processing payment to XXXX XXXX & I told them it was fraudulent. 
I had a prior card stolen & someone used an ATM to withdraw {$160.00} on XX/XX/XXXX. 
I disputed the {$160.00} several months ago & never received a provisional nor permanent credit. All ATM machines have camera videos which will prove it wasnt an ATM withdrawal by me. I disputed the transactions from XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX, was told I would receive by email a written formal dispute which I have not.

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: CA

Complaint narrative:
I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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: MD

Complaint narrative:
I have send a few letters about this issue and still nothing has been done. There are late payments that are reporting on my student loan... There is a billing issue ( 15 USC 1666B ) with my account because I have always been in school and my student loans have been in deferment so there should be no late payments... 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX I want the bureau to Tell me in writing what information you received from this creditor to support the presence of these supposed late payments. Tell me in writing what you did to determine that the information the creditor provided was accurate. Note how the information was relayed to the creditor and the EXACT information ( type/kind ) that was provided to your bureau as PROOF of the accuracy of these late payments. Any claims of application alleged made by me or former must have validation of verifiable proof of adequately acquired permissible purpose from anyone exactly identified by documentary evidence to be me and only me and or anyone lawfully provable to be acknowledge as an authority with rights to adjudicate actions minus my direct permission to render said permission. I am absolutely within in my consumer rights per every and one even each any and or all state and or federal laws to requisite by demand of your lawful sworn attestment to the exactness and adequate legal obtainment of every and one even each any and or all of the challenged notes .Attest in composition to every and one even each an and or all of the data, every notation, the dates and balances, calculations and audits, accounting records and documented identities, the required XXXX enacted Metro-2 426-character format fielded. I want The bureaus to send me a new credit report showing the changes in my report which I take serious these bureaus are playing with my life right now... ..I don't understand why yall make things so hard for people I don't get 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 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: CA

Complaint narrative:
I have tried to dispute the incorrect lates on these accounts but the credit reporting agency will not reflect the change that my accounts are correct and payments are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX I scheduled a credit card payment for XX/XX/XXXX to my Discover credit card account in the amount of {$200.00}. 
The following day Discover debited my bank checking account for {$200.00}. This payment has not been credited to my credit card balance, and I am having concerns that my {$200.00} payment has just disappeared and will not ever be credited to my Discover account! 
This is obviously a flagrant error on the part of Discover card, and they seem to have no interest and are very lackadaisical in correcting this egregious, careless error! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
My account was closed XX/XX/2022 with no explanation of there is no way of contacting chime bank I had a checking account with funds in it a savings account with funds in it also a credit line with funds in it in attempt to get my account open again or funds released they dont respond to emails or Answer questions Ive allowed the 14 days to pass but I still have not gotten an answer despite numerous emails

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 notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: IA

Complaint narrative:
While checking my credit report XX/XX/2022 I noticed a new XXXX. G C Services opened an collections account on XX/XX/2022. They listed it with the credit reporting agencies. As of XX/XX/2022 I have not received any communication from with company. I have not received any thing in the mail or by a phone call. 

On XX/XX/2022 at XXXX I contacted the G C Services via a phone call and spoke with a guy named XXXX XXXX He told me " we were hired by XXXX XXXX to collect money. '' He gave a phone number to contact XXXX XXXX 

XX/XX/2022 at XXXX XXXX I contacted XXXX XXXXk who told me " the account is closed and that the bill is not in my name. That I was on the account as a user. That they don't have my social security number to collect money. '' XX/XX/2022 at XXXX I called G C Services and spoke with a female who " Sir I can't talk to you about this account, The account is not in your name ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Around XXXX XXXX I contacted collection agency Peroutka, Miller and Peter PA to settle the XXXX XXXX credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender XXXX. Also, I was told that if I didn't pay they would garnish my wages and income taxes. 

However, when I reviewed my credit report I noticed that XXXX XXXX  act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.

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: VA

Complaint narrative:
I contacted a clerk at the court and I was informed that they not not provide or verify information with credit reporting agencies. Transition claimed to have verified with the courts, the three bankruptcies reported by TransUnion. But that is a lie because courts do not provide or confirm information with credit reporting agencies. The clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with TransUnion. Please hold TranUnion accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for TransUnion to remove these bankruptcies.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: SC

Complaint narrative:
On XX/XX/2021 I reviewed a copy of my credit report and noticed two collection accounts XXXX XXXX XXXX XXXX for the amount of {$1500.00} and XXXX for the amount of {$550.00} that does not belong to me. I reached out to the credit bureaus in regards to this matter on both collection accounts and I have not received a response with proof validating this debt. These accounts are hindering me from purchasing my first home and I would like them deleted immediately. I received a letter in the mail from the creditors with e-signatures that I have no knowledge of. Please resolve this matter as soon as possible.

Company response to consumer: Closed with explanation