vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
I got a new Credit card in the mail in XX/XX/XXXX. I went to my personal bank, tried to get a cash advance and was told that the card was declined. So I withdrew the funds from my personal bank account. In XXXX, XXXX, I received my first statement from my new credit card, and the FIRST TRANSACTION on XX/XX/XXXX, was a CASH ADVANCE. My FIRST STATEMENT also included an important message that my ACCOUNT IS PAST DUE, however, this is my FIRST statement. I was charged a LATE PAYMENT FEE, CASH ADVANCE FEE, & I have a previous balance, but AGAIN, this is my first statement. I am also being charged an interest for the cash advance. I called Fortiva bank card, & I tried to explain the problems with charges I didn't authorize, and the cash advance that I was told was declined. After my daughter called 3 times for me, I was sent a letter on XX/XX/XXXX, about the unauthorized charges in XX/XX/XXXX. We sent that into Fortiva, no word yet. On each of my statements that have actually been sent, I am still paying cash advance interest charges. I have paid {$990.00} on this card since having received it in XXXX of XXXX. Every time I make a payment, around XXXX  goes to my balance, the rest just pays fees associated with my account. I am XXXX years old, and I am on social security. Only one or two times have I paid the minimum payment. If all I am going to pay is fees, I might as well not pay anything, because this card will never be paid off. I have cut the card up and  disposed of it. Fortiva keeps telling me that I am late on my payments, however they don't even send me statements to show me how much I owe. My daughter set the account up online, so she could see what is going on with it. In XXXX, the first statement has a due date of XXXX XXXX. I received the card in XXXX of XXXX. My agreement with them states that they will send me statements by mail, and they have not done so. I can only pay my bills with checks as I am not computer savy as my children are. For the 2020 year, there are only three statements listed, XXXX, XXXX, and XX/XX/XXXX. In XXXX 's statement it shows I am over the limit {$120.00}, and I haven't even used the card. It shows I have a past due balance of {$150.00}, and I have been sending them {$100.00} a month. They have charged me {$12.00} maintenance fee, and a {$40.00} past due fee, but the last statement I received before XXXX, XXXX, was XX/XX/XXXX statement. I am still also paying a finance charge for a cash advance that was declined in XX/XX/XXXX, and it has been 15 months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Block, Inc.
State: OH

Complaint narrative:
I booked a trip to XXXX through XXXX, using my Cashapp card to make the monthly payments of XXXX for 6 months. The company XXXX shut down XX/XX/XXXX using the pandemic and did not refund payments to me. I filed a complaint with Cashapp and was told that they couldn't do anything because the transactions were over 60 days. 
I used the pay delay plan which I was to pay ( which I did XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XXXX and XXXX in XX/XX/XXXX. They did refund the 1 payment for XXXX but are refusing to go after the other months. I have constantly explained to them that there is no way for me to contact XXXX and they are still refusing to help. 
I have lodged complaints about XXXX to every site I could think of trying to secure my money back and no one seems to be able to do anything. PLEASE HELP. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: Synovus Bank
State: GA

Complaint narrative:
Synovus Bank of XXXX GA is fraudulently reporting that I have a credit card with them that has gone into settlement as of XX/XX/XXXX. They reported that I've been late since XXXX of XXXX. I opened a Synovus credit card in XXXX which was closed and went in settlement and was legally settled over 10 years ago. They have now just put it back on my credit file as if I just settled the account. I've called and spoken with the credit department and they admitted fault but will not respond back any longer to my calls nor will they remove. There are several recorded calls of me talking with them and their admitting to get the matter resolved. It is my suspecting there is someone in the company fraudently hiding or stealing money and looking to see who has old settled accounts and filing that as renewed bad debt with the IRS. I disputed the errors to XXXX  and called and spoken with one of their supervisors who also recognizes Synovus error. They have the phone calls recorded too but no one has taken action to remove fraudulent reporting. Both parties are responsible for poor consumer practices and have total disregard for one 's credit well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: CA

Complaint narrative:
On XX/XX/2020 I ordered a water slide for my grandson from XXXX XXXX. I utilized PayPal to complete the transaction. PayPal automatically withdrawals the funds from my union bank account. After several months I had not received the item I began emailing the company they sent my a tracking number. Months later I received a package in the mail with one pair of female socks, ( definitely not what I ordered ). I made several attempts to contact the company via email with no response. I contacted PayPal and they advised I would need to contact my financial institutions since the funds had been withdrew from my personal account. So I contacted my bank and was provided with a number to contact consumer financial. I have made several attempts to resolve with the shipper, PayPal, and XXXX. This transaction cost was {$99.00} On XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are 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 2020-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020. 
I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX  XXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: MS

Complaint narrative:
XXXX, XXXX, & EXPERIAN has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, XXXX, & EXPERIAN has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, XXXX, & EXPERIAN failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

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 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX XXXXXXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX  XXXX {$1000.00}

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 2020-06-23 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$320.00} XXXX  XXXX {$490.00} XXXX XXXXXXXX {$5500.00} XXXX XXXX {$700.00} XXXX XXXX {$1000.00}

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 2020-06-23 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: MS

Complaint narrative:
XXXX, EQUIFAX, & XXXX  has updated the following accounts on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 & 611. XXXX, EQUIFAX, & XXXX  has violated my consumer rights by not adhering to the law, Section 611 ( S ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accounts, petitions, pleadings, & other papers. Contract law states that only way to contest an affidavit is to respond another affidavit. According to the black law dictionary an affidavit, a written or a printed declaration or statement of facts, made voluntarily in confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX, EQUIFAX, & XXXX  failed to respond to my previous sworn statement if of dispute affidavit with another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) block. Except as otherwise provided in the section, a consumer reporting agency shall block the reporting of any alleged identity thief, not later than 4 business days after the date of the receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity thief report ; furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the 30 day period described in subsection ( a ) of this section that the debt, or any portion thereof is disputed, or that the consumer request the name or address of the original predicator, the debt collector shall cease collection of the debt or a copy of a judgement, or name and address of the original creditor, is mailed to the consumer by the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: PA

Complaint narrative:
I have submitted multiple disputes with Transunion via Transunion direct dispute online regarding incorrectly reporting late payments for a XXXX account. The reinvestigations per Transunion were said to be confirmed by XXXX to be reported accurately. I have since submitted disputes with proof including statements from my bank and statements/emails directly from XXXX admitting they had inaccurately reported lates to the bureaus, without any success. Additionally, on XX/XX/XXXX I submitted a complaint through the CFPB, with no success. Transunion wont even reconsider my dispute, with the proof. I have attached proof from the company themselves stating they inaccurately reported a 30 day late XX/XX/XXXX, a 60 day late XX/XX/XXXX and a 90 day late XX/XX/XXXX. This needs to be updated as its affecting my credit and negatively impacting my current creditors willingness to extend and/or keep my credit lines open! Ive already had lines decreased because of consistent inaccurate reporting! I have also disputed with XXXX  and XXXX, both of which currently reflect the account as current with no negative information or lates reporting.

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 2020-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/2020 I was contacted by XXXX XXXX from United Check Recovery Bureau from phone number ( XXXX ) XXXX at my cell phone number of ( XXXX ) XXXX at XXXX Pacific Time and again at XXXX the next day by a different individual. The debt that the company is trying to collect belongs to my ex-wife XXXX XXXX. I notified the first caller that XXXX XXXX is not associated with my phone number, that I would forward their message to her and to not contact me again. I was called again the next day concerning the same debt which isn't mine and from my understanding the company is prohibited from contacting me multiple times especially within such a short span of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My credit report changed on XX/XX/2020 sending me a notification when I checked it, it stated my mortgage company made a change stating my account balance increased {$7200.00} ( having never missed or been late on a payment ) I immediately called them and spoke with XXXX XXXX, who stated he could see no reason/note on what changed and that someone would contact me. 

Prior to all this, I had contacted the mortgage company about delinquent taxes ( taxes are to be paid, per my loan, by the mortgage company ) I had received a bill from the tax collector stating unpaid. When I called, I was told very rudely that they would be paid and the mortgage company who had my loan ( XXXX ) never paid them. 

When I called again on Monday I spoke XXXX and was told I had to wait till Friday, to get an answer. No one called so I called back spoke with XXXX XXXX i was driving and couldn't write her # down ) I was told there was an error and it would be corrected the amount of the increase was not what was reported, I stated there should be no increase I have not missed any payments. She put me on hold, then came back 15-20 mins later apologized having me on hold so long, and asked if I were still there and said someone would call me. No calls came, I then received my statement, showing my monthly payment increased, I called once again, was told there was nothing was noted in the system, though someone would call me from the escrow department. No one has called, so I just left another message as i couldn't get a live person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$6000.00} DEPTOFEDXXXX  XXXX {$3500.00} DEPTOFED XXXX XXXX {$3500.00}

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 2020-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an invitation to apply for refinance on XX/XX/XXXX I used it to apply for refinance mortgage at Suntrust mortgage on XX/XX/2020, since then I have not heard anything and sent many emails without getting any reply, online the status is " reviewing documents '' I tried to call the assigned NLMS broker but did not get any response, I tried calling the toll free number but I stay on hold for more than 1 hour and eventually hang up.

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