vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said Equifax reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  has incorrect information on my credit report, I notified XXXX XXXX XXXX XXXX about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my XXXX XXXX XXXX XXXX credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with XXXX XXXX XXXX XXXX about my credit card please fix this

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 2020-11-07 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: Atlanticus Services Corporation
State: MI

Complaint narrative:
Fortiva Alert : Your Fortiva Credit Card payment of XXXX is due on XX/XX/20. Click the link to make a payment on your account now : https : XXXX I received a text from this phone number XXXX. When I called this number it asks for my social security number. I did not respond. I also tried calling XXXX but that wasn't a legitimate number just another possible scam. 

I received this text on XXXX at XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
Date : XX/XX/2020 I followed up with KeyBank today to find out where my new bank card would come in as my bank card expires at the end of this month. I use my card today to purchase gas. My card was declined. I did called keybank back at XXXX today. The 1st representative that I spoke to shut my card off without my permission. I did not give any consent in any shape or form. The supervisor was listening to the prior phone call. They did state I never gave any permission for this individual to turn off my card. I will not have access to any of my money for 5 business days until my new card arrives. I work at a XXXX  during the week the same hours and longer than what the bank is open. I know will experience financial hardship as I have bills due this week. I am on able to purchase groceries for this upcoming week for my children and myself. I will Have late fees if I am not able to pay my bills on time. They have really put me in a financial hardship that will affect my family and our means of living. The bank said they are enable to do anything that they can not turn back on my card that I have to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: NC

Complaint narrative:
Experian has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called Experian about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.

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 2020-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
The medical bill was caused by a personal injure case due to a motor accident. The other party 's insurance admitted full liability and responsibility. In another word, the debt is under the other party 's insurance.

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 2020-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I hold two credit cards with Capital One. One card ends in XXXX and the other ends in XXXX. On XX/XX/2020, my bank transferred to Capital One a payment of {$800.00} towards the balance of the card ending in XXXX. The payment was misapplied and credited towards the card in XXXX. This caused a series of events to include ; 1 ) 47 point drop of my XXXX score, 2 ) late past due fees 3 ) additional interest charges to exceed {$100.00}. 
4 ) Multiple calls to Capital One met with polite condescending answers and no reversal of their actions toward the misapplied payment being placed in the correct account that was due payment and removal of the penalty charges. 

This has negatively impacted my credit score by 47 points and affected my ability to refinance my home especially now with COVID. Further, the due date of payment assigned- the eighth of each month, will ALWAYS make my payments at Capital One late because my bank takes a day or two to transfer the funds. I told a Capital One rep of that problem and their response was OPEN A CAPITAL ONE bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Conn's, Inc.
State: WA

Complaint narrative:
Conns XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to XXXXThis has prevented me from finding a suitable home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I was alerted by a bank I am in the middle of securing a loan with that State Employees Credit Union has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my XXXX  and XXXX  illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in XXXX. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: WA

Complaint narrative:
XXXX XXXX XXXX continues to inaccurately report an account that was paid offf-settled in full as a charged off account owing a balance of {$2900.00} to Equfax.This has prevented me from finding a suitable home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have two XXXX XXXXXXXX XXXX  card with Bank of America, which entitles me {$30.00} rewards per card per quarter, and I have been getting these rewards for many years by almost the same spending behavior to meet the rewards requirements. I even got the rewards for the 2nd Quarter 2020, which was deposited into my BoA checking account on XXXX XXXX. 

However, I did not get them for the 3rd quarter this year. I contacted BoA through their credit card customer service on XXXX XX/XX/2020. I explained the issue to the customer service representative, pointed out to her the BankAmericard XXXX XXXX XXXX Program Rules ( which I would include as attachment ). The download link for this document is [ https : //www.managerewardsonline.bankofamerica.com/cms/published/root/dcb/PDF/BAC_BetterBalance_AboutCredit_121912.pdf ], and the guarding text to support my complaint is on Page 1, right panel of the " Basic terms and definitions '' section and " How do I earn Quarterly Rewards '' section. 

I was told by that customer service representative that her supervisor would call me within 48 hours, however I have not got any call from Bank of America

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 2020-11-07 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: NC

Complaint narrative:
I was alerted by a bank I am in the middle of securing a loan with that XXXX XXXX XXXX XXXX has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my Equifax and XXXX illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in 2017. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: MA

Complaint narrative:
After finally receiving my unemployment benefits payment from the summer during COVID pandemic, I was relieved my family was finally able to begin paying and taking care of various expenses using the Brinks prepaid card. After initial deposit I used the card as our main source of household payments and income. 

It was only after I took closer look at my statements from XXXX and XXXX that I realized we were being charged {$1.00} fee per transaction which amounted to well over {$500.00} in under 45 days. 

While I realize this was mentioned somewhere in the fine print without access to the internet during the pandemic I was unable to view my statements nor did I ever expect such an abusive and predatory fee structure. 

I have since changed my account to the XXXX XXXX  monthly fee but I dont feel its fair to have to pay over {$500.00} in fees when its all being taken from government benefits meant to help us during pandemic. 

I request a refund of the fees from XXXX and XXXX and to be charged the XXXX XXXX  monthly fee instead as courtesy and show of goodwill considering my situation. 

Thank you XXXX XXXX

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 2020-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I've received a call from number XXXX XXXX XXXX XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency portfolio rc by a XXXXXXXX XXXX opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: U.S. BANCORP
State: TX

Complaint narrative:
Today XX/XX/2020 I received a US BANK Relia card in the mail. I did not apply for any such card and my identity was stolen a couple years ago so I know this is fraud. I tried to call company number but I could not speak to anyone without the automation trying to get me to activate card. I just want to be sure card and account is marked fraud and closed. Please help me. 
XXXX XXXX

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 2020-11-07 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: LA

Complaint narrative:
The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.

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 2020-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07 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: LA

Complaint narrative:
The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 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: LA

Complaint narrative:
The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.

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 2020-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: MD

Complaint narrative:
I am currently enrolled in school and this information has been submitted to Fed Loan. I am not currently delinquent in payment, and payment is not due until 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I've received a call from number ( XXXX ) XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency XXXX XXXX by a synchrony bank opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.

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 2020-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi and how are you doing? How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX and XX/XX/2020 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I hold two credit cards with Capital Ones. I make my payments each month on the Capital One website. For personal financial reasons, I pay the amount owed to Capital One, on their Capital One website, the day before its due. It was my thought that by paying on their website the day before it was due, I could avoid late fess and interest payments each month. I learned that's not the case at all because even if I pay on their website, Capital One does not credit the account until Capital One receives the funds from my bank a day or two later. I could have easily avoided months, perhaps even a few years of LATE INTEREST PENALTY $ $ charges had I paid through my bank and NOT Capital One 's website. Its deceptive practice to lead a customer to believe that if they go directly to the lender with earnest payment before the due date, the lender would allow a grace period of 24 hrs of business and not insert a penalty the following day knowing that the customers directive to their bank is to allocate a set amount to be paid to be paid to a payee. There is no advantage to the customer to utilize their website. On this day a compliant was raised and the response given was " you should open an account with Capital One to avoid that delay ''. There is no delay. A confirmation from their website noting payment is being paid should be honored rather the trolling or coercion of opening an account-thus selling a financial product. There's a lot of spin language to their products and misrepresentation abra cadabra that needs sophisticated oversight. Their website for payment of credit charges is misleading. It's sold as a method to pay a bill timely and avoid charges and its not.

Company response to consumer: Closed with explanation