vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: TX

Complaint narrative:
Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX  again by CHKR and now my ability to do contracting work is also affected. I will open a formal dispute with CHKR as well but the description is the same.

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a person of XXXX, and this industry wide practice is not only unfair but will put persons of XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
When I open the Roth IRA account XXXX with ally. 
Ally officially told me they would not charge any fee if I moved my money to other bank after 6 months. 
I opened XXXX and moved out XXXX, that is much more than 6 months. 
They charged me {$25.00} without letting me know. 
I contacted them twice for refund. No answers.

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 2021-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was reviewing past mortgage statements and came across a charge of {$45.00} added to my bill for a property condition inspection report. No one came to my home and presented to me as an inspector or for an inspection of the property. I am not behind on my mortgage, nor did I owe any late fees. My home is in good repair and the yard is kept trimmed, all utilities are on and those bills are up to date. 
I think this is just a scam charge added to my bill for the purpose to make money off of fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
My private information such as social security number to obtain another lease. I turned in my old lease in XXXX and and took out another which is listed already, but as of yesterday a new account has shown up in my credit. XXXX Honda finance is committing fraud with my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Between XX/XX/2021 and XX/XX/2021 I was rate shopping for rates with mortgage companies. 
I contacted several companies, because I knew that though these would be considered hard inquires it would only be counted as one inquiry because they were all for one specific type of loan. However, all three credit reporting agencies are reporting 4 separate hard inquires which has greatly impacted my credit score by approximately 44 points! When I contacted them I was told that they can not remove these inquiries. So it seems that when rate shopping a consumer has no protection whatsoever and these inquiries will impact your credit just the same ... ... PLEASE help me, this is really unfair.

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 2021-08-28 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: GA

Complaint narrative:
My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX . The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having Lupus stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than Caucasian friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist

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 2021-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/21 Received text message from XXXX : " FIFTH THIRD BANK : your ACH transfer of {$4100.00} will clear on XX/XX/21. Click here to approve or cancel it : XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: VA

Complaint narrative:
I have made numerous phone calls to way2go starting back in XXXX of his year XXXX. I have money over {$4500.00} sitting in my account that I can not access because of my birthdate not being in the system. I have sent in ID information to verify my identity. Conduent card services in return sent me a letter telling me my information was approved but I can not to this day activate my card and obtain my funds. I have had the phone hung up on me multiple times and I have asked for corporate office information which is never giving to me. multiple agents have been on the phone with me through the activation and there is still an issue. One agent even told me there was no way I could get my money even knowing that there is a problem with the system. I have talked with my unemployment office they tell me the issue is not with them but with way2go and way to go tells me its the unemployment office. All correspondence is attached. However I can not attach the many phone calls because an agent said i could not record the call and hung up on me. But they can record my calls? Hopefully they have every call I made to them recorded. This is unemployment money from XXXX of XXXX that I have yet to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: PA

Complaint narrative:
Freedom Debt relief is falsely representing their services. In many cases they are not at all negotiating any relief from creditors, i have several accounts that I am now paying MORE in return from the enrolled principal amount of debt. This is negatively affecting my credit score. Furthermore, they have refused to disclose to me their tactics, what terms they were negotiated on, whom i can speak with about how my debts were discussed, and why the repayments are higher than the amounts I OWED the creditors. I also was discouraged from disputing anything on my credit report and was told that I could not know the terms of the repayment or debt repayment discussions. Additionally, I have refused the terms of the most recent debt because its higher than the amount I enrolled into the program, they are refusing to move on, and address other areas of debt instead. They refuse to provide me with any information regarding how and what terms my debt was negotiated, and they can not tell me why my enrolled debt is lower by thousands than the results they are negotiating. I can not fix my credit without this information. I doubt they are negotiating AT all. They are falsely representing the amounts of debt that they have reduced. For example, a principal plus their FEEs means that I actually lost more than {$100.00} on one account for having them " negotiate '' my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANCO POPULAR DE PUERTO RICO
State: TX

Complaint narrative:
My annual fee of {$59.00} posted on my XXXX XXXX Banco Popular Visa on XX/XX/XXXX. I went to close the card on XX/XX/XXXX and was told that the annual fee can not be reversed and this was a policy change. I do not think this is fair considering I am still within a 30 day window and especially during this time of covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
In XXXX XXXX I disputed an account in the amount of {$3200.00} I had in collections to have been fraudulently opened. It was removed from my credit report. Then it was reinserted into my credit report in XX/XX/XXXX. I was not notified at all. This reinsertion lowered my credit score and also started the illegal re-aging of this account! I sent a certified letter to XXXX asking them to remove this Item off my credit report but haven't received a response and haven't been notified that they received this letter. This account is now open and last reported to the credit bureau on XX/XX/XXXX. Negatively affecting my credit on a monthly basis.

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 2021-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I do not know who FIRSTPOINT COLL RESOURCES INC nor how they got my information. I never gave them my consent to contact me. They've created an account in my name and using my identity. It is harming my consumer report and defaming my character. Furthermore, I've asked FIRSTPOINT COLL RESOURCES INC to remove this alleged debt but they refuse to do so. At this point, I've been injured and my consumer report have suffered severely. It's causing emotional distress and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 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: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
Payment made online on XX/XX/XXXX. Payment should have been for {$260.00} but website mad the payment for {$8100.00}. This triggered an overdraft transfer on my checking account to cover the payment. 

Contacted XXXX XXXX on XX/XX/XXXX ( around XXXX cst ) advising that the payment needs to be returned so we could make the correct payment by the due date of XX/XX/XXXX. We asked the advisor to submit the request and he was making light of the situation while laughing as I was crying. I was not confident with his actions but allowed a few days before I made a second call. 

Called back today XXXXattempted 5 calls starting at XXXX and was discounted on 4 of the 5 calls. Finally spoke with XXXX ( supervisor ) on 5th call and advised of the situation. She stated that she would submit a request for a check refund and it could take up to 15 business days. I had her speak to my husband and she explained the time frame. He also asked what happened to the first request and she had no even reviewed the notes on the account to see if a request has been submitted. As a supervisor I believe she should have reviewed the account for any notes to the situation and not just try and pawn me off with the standard " it can take 7 to 15 business days ''.

It should not take that long for me to receive the money back as it only took the ACH 1 day to clear my account. I should be able to get my money back before 3 weeks.

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 2021-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I am submitting a complaint regarding my XXXX store credit card, issued by Comenity Bank LLC. 

XXXX XXXX began charging customers a {$2.00} Residual Interest Fee in XX/XX/2021. I was not advised about the change and I had a XXXX BALANCE at the time the fee was assessed to my account. Because I had paid my bill IN FULL, I was unaware I would be charged a residual or trailing balance fee on the following months statement. XXXX proceeded to charge me late fees for not paying my late fee. The {$2.00} fee ballooned to {$30.00} between XXXX and XX/XX/2021. I contacted customer service as soon as I became aware of the charge. No one could adequately explain to me how {$2.00} became {$30.00} in a matter of 4 months. 
I requested a refund and my request was DECLINED. The customer service agent explained that the policy changed in XX/XX/2021 and all customers were sent a notification. However, I never received any notification and the Comenity representative was never able to provide me with the policy or direct me where I could find it on their credit card website. 

It should be noted this is the second time Ive had an issue with Comenitys lending policy. The previous issue resulted in me receiving a delinquent account notice on my credit score. Comenity is responsible for my ONE AND ONLY credit card delinquency in more than 10 years. I paid the account in full and disputed the the information with the credit bureaus, but Comenity refused to remove it. Clearly there is a serious issue here that needs to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I made a purchase online at Lanebryant.com and while checking out, I was offered a store credit card which I accepted and put the purchase on this credit account. I received damaged items and contacted the company to return these items. I was told that because of damage I would not be charged a return fee. I was credited for the return per the store credit card account on XX/XX/XXXX. I was charged a {$5.00} fee unbeknownst to me. I never used the account again. I was subsequently charged two late fees and when noticed the fee per a text message alert in XX/XX/XXXX I contacted the company. I spoke to representatives on XX/XX/XXXX who confirmed I was charged incorrectly. All charges including the {$5.00} and all late fees were credited to my account and I was supposed to have a XXXX balance. As of XX/XX/XXXX I have a balance due to interest charges ( that were not credited correctly ) of {$4.00} and this account is damaging my credit as it's incorrectly reporting as late on my credit reports. I never owed a balance on the card and it should never have reported as a balance owing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-28 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: MoneyLion Inc.
State: NJ

Complaint narrative:
I had a loan with moneylion bank and there was an outstanding balance on the off {$130.00} I have communicated with moneylion through email and phone that if I pay off my outstanding loan in full that the loan account information will be deleted from all 3 credit bureaus and delete any information connected to that loan. I spoke to customer service and by email they assured me that they will do that by email and phone conversation. The person that I spoke to over the phone her name is XXXX and she assured me that she will put a note in the system for the account to be deleted when paid off. Ever since the loan have been paid off on XX/XX/2020. The account have not been deleted off my credit report and I tried numerous times by email complaining about the loan account never got deleted and its hurting my credit score. First they say it will take 30days to delete the information, then after 30days to 60 days and more, the account still report negatively. The status of the account change from paid/ok to charge off ( CO ). Then moneylion change their story and said they will not delete the account. I have dispute this account will all 3 credit bureaus and moneylion bank refused to hold up their agreement to delete the account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Trying put freeze my credit settings on experian.com/freeze results in constants errors and an impossible follow-on process to get this done. It looks like almost a deliberate attempt to prevent a consumer to put a freeze on a service that they have not requested or asked for in the first place.

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 2021-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
ATT IS SAYING THAT I OWE A BALANCEOF {$6600.00} WHICH I DONOT SOMEONE MUST HAVE USED MY NAME WHICH IT WAS ALOT OF PHONE FRAUD IN MICHGAN AND AROUND WHERE I LIVE I REPORTED IT TO THEM BUT THIS ACCOUNT WAS SENT TO COLLECTIONS WHICH THE NAME OF THE COLLECTION COMPANY IS ( AFNI ).

Company response to consumer: Closed with explanation