vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-14 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: KEYCORP
State: PA

Complaint narrative:
KeyBank Na In the year of XXXX in XXXX I began having hardship from the Pandemic. I reached out to my longstanding bank for assistance, they gave me ( 3 ) months to XX/XX/XXXX then to further discuss the circumstances after that time. Interest and fees continued to accrue, but they misreported all the information to the credit bureaus creating negative remarks and status on my files, I notified them to correct immediately, both the credit bureaus along with the bank itself, but to no avail no one assisted to fix the situation then in XXXX I continued to call the bank on numerous occasions asking for an agreement on terms an interest and removal of certain fees they also attached to my account, they still did not respond to my request, time over time month over month I was treated unfairly, they broke FCRA, Fair Lending Laws, FDCPA Laws misreporting my status, disrespectful, ignorance and lack of care, knowledge to fix the issues. I have records of dates and times of me calling them, they just did not care, I continued to pursue the validity of the debt, noting I should have not been charged all of that additional interest due to their lack of corporate inability to make a decision and conclude the agreement .Now months later nothing matches, my account info, credit file info, dates, payments, I have asked several times over the past month for more accuracy of reporting and a statement for corrected balances and terms, never received, now I have asked to CLOSE THE ACCOUNT AT CONSUMER REQUEST ON MY CREDIT FILES .they won't even fix that for me. I have verbally opened a case with the CFPB and now would like to make an open formal investigation .Notably I do not know how many others they are doing this to, especially during the time of a Pandemic, but they need to be stopped and held accountable for their performance to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XX/XX/2020, I made a skeptical purchase from a company selling XXXX XXXX for {$240.00}. This website was apart of PayPals Buyers Protection.

After two months of not receiving the product, PayPal reached out to the company. The same day of submitting a claim with PayPal, the company marked the item as delivered that had been showing in transit for weeks on end. PayPal told me they could not do anything about my situation. 

Under PayPal, the company name reads, XXXX XXXX. 

Neither did I receive the product, but I am out of {$240.00}. I ended up buying a XXXX from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-14 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:
Ive Contacted TransUnion Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that Trans Union is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let Tran Union know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also XXXX  is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-08-14 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: Atlanticus Services Corporation
State: NY

Complaint narrative:
I was approved for an Aspire credit card with a {$500.00} limit. Im trying to rebuild my credit and basically just got the card to use in emergency and increase my available credit. I paid {$99.00} annual fee the day I got the card. Card has a XXXX  balance. I attempted to use the card today for the first time at instacart to order groceries. Card was declined several times. I completed purchase with my XXXX  XXXX card and called customer service. I was told their system deemed instacart as unsafe and will not allow the purchase. I said so if im out and have car trouble and you don't like where im using the card for help I have to worry the card will be declined. She replied yes thats correct. I emailed them to cancel my account and I want the {$99.00} fee refunded. I havent even had the card 1 month. This company is predatory and uses people trying to build credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2021-08-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX with a balance of {$680.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: WA

Complaint narrative:
PAYPAL WOULD NOT LET ME CANCEL SOME MONEY I SENT THAT AN ASSISTANT XXXX XXXX COULDN'T ACCESS so i canceled that online account so it would revert back to my card AND THEY STOLE IT AND WON'T ALLOW ME TO ADD MY PAYPAL CARD TO retrieve my information even OF MY PAYPAL ACCOUNT LIKE IT'S SOME actual financial rule OF LAW IN FACT I AM A XXXX WIDOW VETERAN AND THEFT FROM ME IS GOVERNMENT WASTE FRAUD AND ABUSE EXACTLY

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed a complaint against Equifax because they are refusing to remove accounts that are more than 7 years old from my credit report. The companies are reporting the incorrect initial delinquency date. XXXX and XXXX XXXX XXXX accounts are reporting the incorrect delinquency date of XXXX. This is NOT the initial delinquency date. Equifax has destroyed my credit by reporting this incorrect information. They have closed out my complaint and my dispute. They are not reviewing my documentation proving the initial delinquency date of XXXX. It is the responsibility of the Credit agency to INVESTIGATE whether companies are reporting the correct information. It is their responsibility to refuse incorrect information. This needs to be corrected IMMEDIATLY! REMOVE these accounts from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
" Lenders that report data to credit bureaus as required by the coronavirus aid, relief, an economic security act ( CARES act ) will not cause consumer credit scores to go down '' - my complaint is that I had a missed payment at the beginning of the Pandemic ( XX/XX/2020 ) and it has not been removed from my credit report, and it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was told Care Credit does not have an official dispute department by the Care Credit dispute supervisor. They ignored the original complaint when filed with them in XX/XX/2021. After a heated discussion with the dispute department manager he told me there is no medical arbitrator, or medical advisor on staff, so there is no way to check and verify charges. Whatever the provider says goes whether legitimate or over charges, who cares. The consumer pays for a very skewed way to play. No recourse in this unregulated field. 

There are no checks and balances at Care Credit. There are no consequences for providers that overcharge because there are no accountability measures in place at Care Credit. 

I was charged {$79.00} for dog cookies, and {$490.00} for a {$50.00} dog harness, etc. Then complications arose where the original provider wiped their hands leaving me no option but go to an XXXX XXXX  which I later found out the original provider was a partner in. There is No legislation in this wild west industry for services charged. 

Care Credits response, Well, you signed for it. Yes in an emergency situation. I was astounded at such shoddy business practices all the way around.

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive Contacted XXXX  Via Phone and by mail letting them know that there is a spelling of my name that is incorrect and also hard inquiries that do not belong to me. They alway respond stating they can not located my credit file and to send in additional documents to verify my identity. Listed below is the name and hard inquiries that don't belong to me. XXXX  had no issue removing and verifying that this name and hard inquiries do not belong to me why is it that XXXX XXXX is having such a hard Time to report only correct information and information I give them premission to share : Name XXXX XXXX Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let XXXX XXXX know I don't need them to response ask me about anything other these hard inquiries and name from being remove that I did not authorize. 


Also Equifax is still reporting addresses and hard inquires that are not mines.They continue to do the same things say they can not locate my credit file or they update information that I've never used or authorize. 

Addresss XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-14 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: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ARS ACCOUNT RESOLUTION Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on THE SECOND COLLECTION ACCOUNT OPENED FRAUDULENTLY WITH ARS ACCOUNT RESOLUTION FOR THE SECOND TIME. 
Original Creditor : XXXXXXXX XXXX XXXX  XXXX account number XXXX with a balance of ANOTHER {$1400.00} which is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you

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 2021-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I pulled my Consumer credit file from Transunion, and immediately noticed several violations of the Fair Credit Reporting Act. I reviewed my consumer credit profile thoroughly and noticed several Unauthorized Inquiries, accounts, personal information on my report. First I like to state that I NEVER gave Transunion, permissible purposes to report anything to my consumer credit file. Pursuant to 15 USC 1681b ( a ) ( 2 ) which states a consumer reporting agency can not furnish a report without the written permission of the consumer. The Fair Credit Reporting Act as codified at 15 U.S.C.-1681, which stipulates that a consumer report shall not include specific faction information on a consumers credit record. The Fair Credit Reporting Act ( FCRA ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. There were no PERSONAL INTERVIEWS done with any of my neighbors or associates. The incorrect information on my credit file has damaged my reputation, caused mental anguish, including XXXX, XXXX, and lack of sleep. I can not get certain employment opportunities because of the violations throughout my credit file. I can not get approved for my home, and it's affecting my relationships with my family, friends, and associates. This company has ruined my life and I'm invoking my rights as a consumer.

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