vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
We posted a convenience check from Barclays to the payment of a card under XXXX XXXX XXXX totaling {$8600.00} on XX/XX/XXXX. We received what was to be a Promotional APR of 0 % through at least XX/XX/XXXX, and a balance transfer fee of 3 %, but were charged a total of {$97.00} as an interest charge on XX/XX/XXXX, ( as opposed to the 0 % that was stated ) and {$430.00} as a balance transfer fee on ( 5 % vs 3 % ). We called the bank multiple times on XX/XX/XXXX, XX/XX/XXXX, and yet again on XX/XX/XXXX through the phone numbers XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX, and multiple times we didn't get a response, save when we called them on XX/XX/XXXX. The Customer Service person gave us a case number and stated they would start an investigation without an estimated time frame. After this we used another convenience check of {$6000.00} on XX/XX/XXXX, and paid off {$1000.00} in two separate checks of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. We received another statement balance on XX/XX/XXXX where we received another interest charge of {$100.00} when we shouldn't have received one once again. We called them again on XX/XX/XXXX to dispute this, but were told that our account would be under investigation for another unspecified timeframe. They told us that we would be transferred to another supervisor, but they hung up on us instead.

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 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Collections agency was well aware it was paid, was told by me, the local doctors office, and the main branch of the hospital, but still reported it on my credit and costed me two loans that were gon na save my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans union has consistently lowered my score in large increments. I called to find out why, and all they would tell me is all the reasons they might lower scores, but not why they lowered 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 2021-10-17 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: VA

Complaint narrative:
On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: AR Resources, Inc.
State: FL

Complaint narrative:
XX/XX/XXXXI mailed a certified dispute letter to AR RESOURCES INC and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 150 complaints on XXXX they also have many complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I have two checking and savings accounts with XXXX XXXX. One is a personal account and the other is a joint account with my son who was XXXX years old when we opened the account together. I generally do most of my banking online. On XX/XX/2021 when I was checking my account online, I noticed that {$4000.00} was taking from our joint account. I was shocked. This never happened before. I waited for my son to come home to find out what happened. He said he doesn't know anything about it.. The next day when the bank was open we went to the bank and told them what has happened. They started their investigation and the bank transferred remaining money from the joint account to my personal account. The next day when I was checking my account I noticed this time ( 3 ) {$2900.00} and ( 1 ) {$290.00} was taken from my personal account. We immediately went back to the bank and told them what happened. This time they closed both accounts and opened two new accounts. One in my name and the other in my son 's name. The bank did their investigations and came to the conclusion that this was a fraud case and deposited the money back to our new accounts. The new accounts were opened on XX/XX/2021. 
When we received the first notice of collection from TRS Recovery Services, we reported to the local police department and the bank. The police opened a Bank Account Fraud Case for investigation. 

I responded to TRS 's first notice via a registered mail on XX/XX/2021 indicating that this is a Fraud case and there is a police case on it, but they are still sending us second notices threatening to destroy my credit and lock my future borrowing and financial activities. 

Please help me by asking TRS Recovery Services to stop sending me threatening letters and trying to destroy my reputation.

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 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Hello, Once a year there is a payment that is not received by the lender or the lender places insurance on the account and creates this cascading of events where the lender places insurance on the account or sends notices about missed payment ( s ). I will send payments or upload information and it never really rectifies the problem. There seems to be a personal attempt to ruin any attempts on my part to stay in compliance regarding my agreed upon requirements. This has been going on since XX/XX/XXXX with the transfer of my loan to XXXX XXXX up until this point with Shellpoint. It was during the beginning of XX/XX/XXXX, the harassment intensified with the allegation that I did not submit insurance documents and has not been resolved as of this date. The mortgage company never removed the insurance placed insurance off my account and the payments never resumed after multiple calls and email attempts which documentation was supplied. The mortgage amount is supposed to be {$1.00}, XXXX and it changed back to the correct amount in XXXX and XX/XX/XXXX after they agreed the information was received after essentially calling me a liar, just for a few months later for them to indicate it was not received. Earlier this year, they did not issue a payment voucher, although I submitted payment. XX/XX/XXXX, a payment was mailed and they refused to cash the payment and the payment for XXXX was receive based on my tracking information from 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 2021-10-17 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2021-10-17 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2021-10-17 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information 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 2021-10-17 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: Atlanticus Services Corporation
State: IN

Complaint narrative:
I paid off my account over a year ago. The company fortiva called me to say I still own them money, after their internal investigation, they decided I do not own them a dime. But yet they keep calling. 

So late month in XXXX, one of their reps said i still own {$1.00} for membership. I told me I was not aware that i was a member since my credit appication was from XXXX XXXX XXXX. To avoid the harrasment of calls, I paid the {$1.00} via my bank account. 

I pull my credit report today and they report me as late, which I was never late, my business with them was complete as off XX/XX/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 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I had 2 accounts with Capital One that went seriously delinquent due to the pandemic. This put a restriction on use for both the cards. I started a payment plan to get back on track in which I was told would lift the restrictions. My lower lines restriction was lifted after I paid it down. On my higher credit line, I have been making on-time payments for about a year now and I just paid the entries balance of {$1200.00} in full on XX/XX/XXXX. I called today to see what else needs to be done to lift the restriction and the CSR informed me that there was nothing more I can do. Im confused, does this mean my account has been closed? I dont understand why Capital One would keep the account open but restrict usage. I have an auto loan and another card with Capital One and I dont understand why my account is being treated in this way. They offered me an auto loan 3 months ago yet they do not want to allow me access to my credit card? As a consumer, there was no way I could foresee the XXXX pandemic. I believe I have done everything in my power to make amends with Capital One, I dont understand the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: IL

Complaint narrative:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
attempted to contact Credit Bureaus but my concerns are being ignored

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 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have received 5-6 calls per week from Portfolio Recovery for over a year. Each call is from a different number. I have no overdue debt, and my credit score is over 800. I have told them repeatedly to not call, yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
There was credit reports pulled and I did not give permission they where pulled XX/XX/2021 the company 's where XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX. On XX/XX/2021 XXXX XXXX PULLED MY CREDIT REPORT.I would like for them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: VA

Complaint narrative:
On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2021, I received an electronic letter from Citi Bank informing me that theyve closed my credit cards, the cited reason is : We frequently review cardmember credit reports, a recent review of yours shows you have too many open revolving credit accounts. 

I found this action to be unfair, the cited reason is not correct and deceptive. My credit score is EXCELLENTXXXX, my credit card utilization is consistently less than 1 %, I pay all my balances in full each month, Ive had 4 car loans, my payment history is flawless, no missed, late, or returned payment ever. The last credit card I opened was more than 6 months ago. 

In fact, I didnt use my Citi Bank credit cards for months until last month after which Citi Bank offered me a Flex Loan, its a personal loan against my credit card line of credit. Unfortunately, I accepted the offer and from what I read online about other customers RECENT experience with Citi Bank, thiss what flagged my accounts for closure. It looks like Citi Bank has been sending Flex Loan offers to its customers only to shut their accounts down after they accept the offer. I personally have been receiving this deceptive offer from Citi Bank by mail, email, and through my online banking for years. I even received another offer last week from them even though I already accepted one. Im confident that the CFPB will be receiving more complaints about this same issue in the coming days.

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 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am a customer of BBVA Compass and my bank was recently acquired by PNC Bank. I was reviewing my account and noticed a {$3.00} fee pending on my checking account and a {$2.00} fee pending in my savings account for paper statements. I never had paper statements with BBVA and this should have transferred over when my account was transferred. Instead, when I went to change my statement preference to paperless, I was told that this would take effect for the next statement cycle but nothing could be done for the current cycle. I should not have to pay any fees for a service I did not have, did not request, and can not opt out of. I want my fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These account do not belong to me, please block and remove according to 15 USC 1681c-2.

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 2021-10-17 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: TX

Complaint narrative:
Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
This is the second collections agency that this balance has been sent over too. I have been approved by a charity for this date of service and the last collections agency that I sent this too it said they were not trying to collect and that is because they gave my information over to a new collections agency. This is very stressful.

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