vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I currently have an account with Fortiva. My card has expired as of XX/XX/XXXX. I was never initially sent a replacement card. When I went to go use the card in XXXX, I realized it was expired, and called the company to request the card/change my address. On that first call they told me they would send it. One months later I still did not receive my card so I called again. This time they told me that it takes a month to send the card because I changed my address last time. I asked if they could expedite the card seeing how it was already 2 months without my card and they agreed and said 3-5 days. Two more weeks go by still no card now we are in XXXX. I call again and this time they say they do not know why it was never sent and assured me once again my card would be expedited now 7-10 days. Still did not receive the card after that time. Then I receive a phone call my payment was past due, because now its past XX/XX/XXXX already and my payment was due that day. I did not pay the payment, because I am furious about how this is still going on, so I called again and demanded a supervisor. The supervisor did seem sincere about helping me but did not accept my request of it being sent out that day and also once again said they would expedite the card in 7-10 business days. It is now XX/XX/XXXX still no card. I messaged them today XXXX  on there app asking where is my card. The messaging rep said now since my account is past due they wont issue a card at all. I am beyond aggravated with this company. I have an exceptional payment history up to date for the past 3 years not one missed payment. I am appalled at how they are conducting business this way. In good faith I did pay what the actual minimum payment should be which is {$55.00} but since they tacked on {$100.00} dollars of fees for not paying it on the XXXX, they are claiming that has to be paid for a card to be issued that I should have already had in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: MN

Complaint narrative:
Regarding previous CFPB complaint # XXXX. Capital One states in it's XX/XX/2021 letter that I have been credited for the entire transaction however the math does not indicate that as true. Initial merchant charge : XXXX. Merchant credit : XXXX. Capital One provisional credit : XXXX. Capital One debit in error : XXXX. Capital One credit : XXXX. XXXX still due cardholder : XXXX Capital One still owes me the {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I opened this ticket on XX/XX/XXXX. As of today, no resolution. 

I am out of {$2000.00} and the coins are not available on Binance.US account for me to trade or move or sell. 

This is criminal! 

I sent them also the screenshots of the purchases showing on the site with the note that I had to wait to use the coins Plus the screenshot on how it looks now : no option I can chose. Nothing I can do with the coins which show XXXX in the Assets list See attachments as proof. 

I also have the emails where they confirmed the 4 times purchases ( which was a mistake as the site gave FAILURE after each transaction except for last XXXX ) XXXX  XXXX, 2021, XXXX XXXX My transaction gave me error 4 times but the transactions went through 4 times and I only meant to do it once Hi, I sent this ticket more than a month ago. Only today I was informed that the email I sent the ticket from was wrong!! 

This is such a disservice. 

I am out of {$1500.00}!!!! 

The 3 transactions did not go through. They gave error and then, after the 4th one went through, I saw all of them going through. 

And, after all this time, I still can't do anything with these!! 


I need urgently help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: MS

Complaint narrative:
The following companies failed to response to my complaint within the 30 days timeframe. Also, they have violated my consumer rights under the FDCPA act. They were given a timeframe to resolve this solution but they didn't. I have given them several verbal authorizations and have filed this numerous times.

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 2021-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I am in the home buying process. I have asked numerous times for my credit report. The Leander XXXX XXXX NMLS ID # XXXX has given me every excuse to why he can not give me the information. I can not move forward unless i have another leander run my credit. He knows this and is being very unprofessional. I shouldnt have to work this hard to get my own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: TX

Complaint narrative:
On XXXX XXXX XXXX I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
There were several transaction made through XXXX ( unauthorized by me ) very suspicious and the bank didnt catch them. Six transactions in one month I didnt see until too late. I disputed through the bank and they respectfully denied my claims. They were sent to a fake person and the bank can not tell me what device this money was transferred from. This has previously happened to me and the money was compensated because they determined it was indeed fraud. I have been hacked thru two banks and XXXX credit. And wells Fargo is the only bank whom has denied my claims. I am very unsatisfied with the outcome as I have lost XXXX $ in just a months time.

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 2021-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: MI

Complaint narrative:
Received a deceptive letter in the mail. Header of the letter states : " Understanding FNMA Enhancements ''. This letter includes misleading header of " Your Economic Benefits '' from the " aggressive enhancements '' made to XXXX XXXX eligibility? This letter gives the reader the impression that the XXXX ( XXXX ) are providing some " economic benefits ''. This letter is a ploy for a refinancing solicitation from JFQ lending, Inc. NMLS ID # XXXX a Mortgage Broker, XXXX AZ . I believe this has the potential to fall under UDAAP regulation as a potential violation of deceptive and abusive solicitation practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX  XXXX-XXXX-Balance {$14000.00} XXXX/XXXX XXXX XXXX-Balance {$0.00} ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$640.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I enrolled in Amazon 's offer to receive a {$150.00} credit if I got a Chase Freedom card. 
After using most, if not all the {$150.00} free purchase I tried to create an online Chase account but found it was beyond my ability due to numerous error messages, locked screens, etc., so I initiated a series of messages to both Amazon and Chase in XXXX to determine how to pay my bill. 
Failing to resolve this problem I canceled my Chase Card and returned most of what was returnable to Amazon. 
My wife called Chase to get a closing balance and was told " Your account is closed with {$0.00} balance '' but today we received a bill for {$110.00} including a late fee of {$28.00}. 
I was on the phone with Chase today and after being redirected ( spoke to XXXX, XXXX, and finally to another person before I was disconnected ). Of course, that was the final straw that prompted this complaint. 
I am XXXX and my wife of XXXX years is XXXX, I've had triple XXXX XXXX XXXX and a XXXX, not looking for pity but am trying to avoid another XXXX XXXX. 
We're not " deadbeats '' and have a credit rating of XXXX according to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My debit card was hacked and used in two different cities on the same day multiple times ... ... ..9 times in XXXX , Pa. without my knowledge, starting XX/XX/XXXX, until XX/XX/XXXX, when I discovered it ... .I was very XXXX  in XXXX through the beginning of XXXX and did not notice the withdrawals. the withdrawals in XXXX were all odd number withdrawals, which I never do. I spent some time in the branch office of Citizens Bank to try to resolve this, and the folks there were helpful and agreed that fraud was indeed noticeable. The following dates and amounts were from XXXX, Pa., and the same day use is next in XXXX, Pa ... ... ... ... ... ... ... ... .. 

XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX, Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XXXX ... ... ... XXXX none XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX, Pa. 
XX/XX/XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX missing that page of statement XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX .... XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 

The XXXX amounts include a {$3.00} service fee added for foreign ATM. 
All of my withdrawals from ATMs are in equal amounts ... 

I received two letters from Citizens Bank denying that fraud occurred, because the bank employee at the branch that I went to broke it up into two different claims for some reason unknown to me. 
It seems quite obvious that another person had my information to me..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 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: FL

Complaint narrative:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the of collection that is being reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencieS TRANSUNION LLC have violated it..the of accused collections account and date FOLLOW AS : XXXX XXXX XXXX ON XXXX XXXX FOR {$480.00} AND XXXX XXXX XXXX ON XXXX XXXX  FOR {$1900.00} .BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW TRANSUNION is CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter..BE ADVISED THE other 2 credit reporting agencies XXXX AND XXXX HAVE DELETED THESE 2 COLLECTIOND, WHICHIS CONSIDERED ADMISSION OF GUILT ..YPUR STILL REPORTING FALSE INACCURATE INFORMAYION ON MY CONSUMER REPOR FILE..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from Brown & Joseph, XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX regarding a debt of {$120.00} owed to the XXXX XXXX XXXX XXXX XXXX. Because I have no record of owing this money and no idea what insurance product I supposedly received, I wrote back on XX/XX/XXXX requesting written verification of the debt, including copies of any invoices and the group insurance policy. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Brown & Joseph stating the account would be turned over to a law firm unless I paid the amount due within 48 hours. I called on XX/XX/XXXX and was told the account would be turned over at XXXX XXXX  that day and that they would not provide me with any details. I still don't know what the debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I received a letter from a federal credit that a account was frozen I Never opened then she told me to look up my account I see a lot of inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
regional acceptance been pay in full auto loan not show pay in full need be correct soon as possible

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 2021-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-08-17 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have a closed Wells Fargo credit card account that was charged-off in XX/XX/. Wells Fargo wrote the balance off as bad debt and completed form 1099 after the account was charged-off. Since the charge-off, Wells Fargo continues to report a past due balance on the account in addition to reporting a new charge-off monthly. I feel that Wells Fargo is intentionally damaging my credit history and that my rights as a consumer are being violated.

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