vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-30 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
I've had fortiva for 3 years been an excellent customer always made on time payments. Numerous calls to their outsourced customer service agents that reads from a script barely understand English which I end up having to discontinue call. Fortiva continues to charge me very high monthly account maintenance. Monthly interest rates on top of XXXX charge every year. Ive never had a credit increase and these charges continueto rise. I received email from fortiva which states these high monthly charges reduces after 1 year and my account will be reviewed that never happened. Horrible experience no customer service assistant to redeem issues

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
For a week, I was misled through a scam disguised as a job interview and hiring process for XXXX. I was literally tricked into sending this company all of the money out of my account through XXXX XXXX ( {$1300.00} ). I have since then called both my bank account and reopened an account ( TD bank ) and also contacted XXXX  XXXX  to reach no resolve. I closed my account and disputed charges, but they are saying that they can not redistribute my funds because it was sent through a third party they can not redistribute my funds. XXXX XXXX has also said the same thing. This was FRAUD and I can not receive the money I was scammed into sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE- XXXX XXXX XXXX Account # : XXXX XXXX XXXX Under the FDCPA ACT, and my rights FCRA Ive involved these accounts in civil litigation against these credit Bureaus for unauthorized and Fraudulent actions concerning these accounts on my credit report.The credit Bureaus are constantly in violation of my consumer right of not sending documentation of non verified debt for non permissible purpose under section XXXX & XXXX XXXX - XX/XX/XXXX XXXX  CAP ONE AF XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX CAPITAL ONE AUTO FIN Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX Finance/Personal XX/XX/XXXX XXXX CAPITALONE - XX/XX/XXXX XXXX CAP ONE NA Bank Credit Cards XX/XX/XXXX XXXX CAPITAL ONE Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: CL Holdings LLC
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: ECMC GROUP, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2021-06-30 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:
I was late XX/XX/XXXX2 times. I quick paid XXXX. After that happened I was charge being late every month. I paid over the amount that was due but XXXX still reported me as being late. Moving forward I got a call from a XXXX rep in XXXX and told me they would lower one of my car payments to pay {$410.00}, I paid {$420.00}. XXXX informed me that they would remove the late payments ; but they did not.

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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have been attempting to obtain a debit card from US Bank Reliacard for almost a year to access my unemployment funds. I have sent in the verification information that was requested several times. However, they have still refused to update my address. I was informed that the update has to come directly from Unemployment. My address has been updated with unemployment for a while. However, US Bank has refused to mail me a card that has my unemployment funds. I am concerned that my funds will be sent back to unemployment and I will not received my funds.

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 2021-06-30 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: GA

Complaint narrative:
I submitted ( via certified mail ) a dispute, FTC report, and all qualifying identification information to Equifax on XX/XX/2021, regarding a fraudulent account on my credit report. The information arrived to Equifax on XX/XX/2021. 

This is the tracking number for the mailed dispute : XXXX. 

The fraudulent account in question, is XXXX XXXX XXXX ( Auto ). 

I reached out Equifax to check the status of my dispute on XXXX XXXXXX/XX/2021 @ XXXX. I was informed that my dispute was still in progress ( even though bureaus must block information resulting from identity theft within four business days ), and to check back on XX/XX/2021. 


I called Equifax today ( XXXX XXXX ) @ XXXX XXXX. I spoke with a representative named XXXX ( employer ID : XXXX ), who informed me that my FTC report was received and valid, however she could not give me the status of my dispute. 


I am reaching out to you all to correct this issue. Equifaxs inability to report accurate and truthful information has hurt my credit score, and damaged my ability to gain employment, housing, and funding. 

Equifax has made it extremely hard to comprehend them on the phone, they transfer me repeatedly, and disclose personal information without validation. 


Please resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not 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 2021-06-30 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: OH

Complaint narrative:
I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer. 

Please block and remove all account because i did not give you my consent to add to my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion continues to report a debt not owed. According to 18 Usc 8 all obligations or alleged obligations are covered by the United States. I did not do business with the debt collector. Nor did i give transunion authority, nor written consent to furnish this information and under 15 usc 1681 ( b ) ( 2 ) my written consent is needed. I asked Transunion to remove this item or there in direct violation of The FCRA. 

1. XXXX XXXX {$120.00}

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 2021-06-30 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: NC

Complaint narrative:
I had a recent bank transfer to my bank, however the routing numbers were changed on my bank account but I forgot to update it on PayPal, therefore I never got the money even though paypal completed it. I already removed the bank account with the old routing number but PayPal says they can not reverse it. I have no idea who has my money, because my bank that was supposed to receive it never got it. My bank account number is the same but routing number got changed. 

Transaction ID : XXXX My banks routing number was changed, but the account number ending in XXXX is the same. That is why the funds never got transferred. I contacted my bank and they said that either PayPal can return the funds back to PayPal or cancel the transfer. My bank never got anything. So, I do not know where the {$67.00} went. 

Account email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : CREDIT CENTRAL Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : FSNB, NA Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX XXXX XXXX XX/XX/XXXX AMPS/NALLEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
Opened Goodyear Credit Card to save money on tires ( {$75.00} ) and spread payment out for no interest for 6 months. Paid off in 4 months XXXX XX/XX/XXXX ) with no interest. Received bill for late payment of interest only charges and late fee. Called XX/XX/XXXX to resolve and they removed late fee {$29.00} but would not get rid of interest. Paid off {$41.00} in interest as I no longer have any documentation of offer.

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 2021-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XXXX I received an email from a " XXXX XXXX '' whom works for The XXXX XXXX XXXX XXXX. The email was to alert me that an affordable apartment unit was available for my tribe if we would like to apply for the unit. The available unit would allow my tribe to only pay only 30 % of our income in rental fees monthly. I submitted my response by email and informed XXXX XXXX that we were interesting and would like the applications to began the process. XXXX I received an email from XXXX XXXX and it contained the rental applications and guidelines. We immediately completed the applications and sent them in an email to XXXX XXXX. XXXX XXXX had informed me that she was not the onsite XXXX, however she would forward the rental applications to the onsite XXXX a " XXXX XXXX '' and that would be our person of contact moving forward. Starting XXXX through XXXX I submitted several copies of the completed rental applications, Check stub copies, landlord verification copies and all other pertinent documents when attempting to rent an apartment. In the process of attempting to have our rental applications processed we were met with several delays, XXXX XXXX stated that we ( our tribe ) owed a debt to The XXXX XXXX XXXX XXXX. XXXX I submitted a request for assistance to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I explained the difficulties that we were encountering with XXXX XXXX and asked if we would be able to submit our credit check fees to a different onsite XXXX for The XXXX XXXX XXXX XXXX as we did not think XXXX XXXX would complete the application process and simply take our {$60.00}. On XXXX I received an email from a " XXXX XXXX '' whom also works for The XXXX XXXX XXXX XXXX and she informed me that she would process our applications for the unit. XXXX a " XXXX XXXX '' sends me an email stating that she also works for The XXXX XXXX XXXX XXXX and she will now be processing our rental applications. XXXX I receive an email from " XXXX XXXX XXXX '', partner of Law offices of Kimball, Tirey, & St. John LLP and in the email XXXX states that we have an unpaid balance that is owed to The XXXX XXXX XXXX XXXX and according to the records that a " XXXX XXXX '' obtained the information for the years XXXX and XXXX. Due to this erroneous information being reported and shared without our prior knowledge or consent we were denied the apartment according to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I booked a stay through Chase XXXX for a single night at a hotel ( booked on XX/XX/2021 for a stay on XX/XX/2021 ). There were so many issues with our hotel room : no hot water ( until XXXX when we could finally shower ), the bathroom fan did not work, the bathroom door did not shut, the bed was uncomfortable and creaked non-stop, the lights in both the bedroom and sitting room flickered to the point of giving us headaches, and the bed was missing sheets! I have photos and video of these issues. After the terrible experience at the hotel, I asked Chase XXXX for a refund. Chase XXXX will not issue a refund until the hotel authorizes it, but the hotel is not responding to me or Chase XXXX for a month now. Chase will not dispute the charge against Chase XXXX ( I booked through them ), leaving me with a bill ( {$480.00} ) for a hotel stay that was not nearly worth what was paid. I've tried calling Chase XXXX several times and now the Chase dispute department but am unable to do anything to fix the situation. They only suggest to wait, meanwhile I have to pay the bill.

Company response to consumer: Closed with non-monetary relief