vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-17 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: NY

Complaint narrative:
I XXXX XXXX, have no choice but to submit a complaint against a nationally known vehicle finance company known as XXXX XXXX XXXX. My argument is based upon the implementation of two separate federal laws, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My argument is against an abusive derogatory placed on not only mine but my wifes credit report, with each respective credit reporting agencies, XXXX, XXXX XXXX and Equifax respectively. I have had an impeccable payment history with XXXX XXXX XXXX since XXXX, as he attached credit reports shows Account Number XXXX opened XX/XX/XXXX, a perfect payment history until the vehicle was traded in for a new lease in XX/XX/XXXX. That loan payment history was perfect Account XXXX XXXX. As you can see from the attached two credit histories of the same account, on XX/XX/XXXX the account shows PAID. CLOSED/NEVER LATE as of the lease close out XX/XX/XXXX. At that time my wife XXXX took a new lease with XXXX XXXX XXXX XX/XX/XXXX. Is was not until a month later when both me and my wife received a notice by mail that there was an additional charge on vehicle maintenance. I made the necessary arrangement to pay the additional lease charge that had absolutely nothing to do with any payment history. XXXX XXXX XXXX can not mingle payment histories with any substantive collection issue after the fac. This is in fact not only a Fair Credit Reporting Act violation but a violation under the Fair Debt Collection Practices Act : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If American Honda Finance had a financial issue with the lease, then after the payoff the only remedy would be through the FDCPA. FCRA does not apply..period. Accordingly, XXXX XXXX XXXX has applied a separate but highly illegal interpretation in its collection criteria by abusing the FCRA along with its tightly controlled subscriber agreement with each respective credit reporting agencies. The Consumer Financial Protection Bureau is the super-ceding authority on the implementation of FCRA, and I believe that the American XXXX XXXX company should be investigated including a full legal review of its contractual agreements with the general public. Sanctions are of necessity on this issue. I demand the late payment back-dated to XX/XX/XXXX be deleted, and that XXXX XXXX XXXX issue a policy change to the American public through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
So i applied for my stimulus check and the irs accepting it and i used my Cashapp routing and account info for direct deposit. The irs web portal says my direct deposit was scheduled to be deposited in my Cashapp account XX/XX/2020 and as of today XX/XX/2020 i still have not recieved it. Ive reached out to Cashapp via  email only to get automated responses which were of no help at all, also direct messaged and tweeted on their page Cashapp and Cashapp support via XXXX, and i get responses from their so called support but nothing that helps or even them tryin to do anything bout it. Ive also been researching this and this seems to be only Cashapp customers hvn this same issue and also not getting any help at all from Cashapp to resolve it. People are saying their account numbers changing overnight with their cashapp accounts that they dont ask for or do themselves. And i also found out that Cashapps app says they use XXXX XXXX  for their accounts and cards they send out to people but the stimulus direct deposits are not goin through that bank, theyre bein deposited into XXXX XXXX XXXX to Cashapp. And i was also supposed to be mailed another card a week or so ago but the card never arrived even tho cashapp app says it did, and when i reported it lost and requested for a new card, they say they can not send me another, yet, my stimulus direct deposit is supposed to go to that account and card. It doesnt add up and seems like cashapp is withholding my stimulus money and thousands of other ppls money or theyre just flat out stealing it. Either way its not right and alot of ppl hve lost their homes due to this, myself being one of those ppl. From what i understand, cashapp has 5 business days to deposit money or they start recieving fines, well, its been way longer than 5 business days. I just want my money and for cashapp to release everyone elses money theyre holding or for something to be done about it some other way. Im so irritated with dealing with Cashapps XXXX and almost ready to go to the darker side of the web and spend a lil money and let a hacker get my money bck for me, but im trying to do this the legal and right way first. Plse help. Ill provide whatever info yall request of me that i hve if it helps. Ty.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I made an online purchase with XXXX 's XXXX  on XX/XX/20 in the amount of {$150.00}, order # XXXX. I used my XXXX credit card to make the purchase through XXXX. I was charged {$150.00} two times. Both charges posted to my Barclays card onXX/XX/2020. I received only XXXX order. I tried to contact XXXX 's customer service and was not able to get a response to address the issue. In my frustration, I returned the merchandise. XXXX 's sent me an email that they received my return and issued me a refund of {$150.00} on XX/XX/20. I was still charged the duplicate charge. I tried disputing this with Barclays card as the merchant was not helpful and Barclays responded with a letter stating they could not help me. I tried calling Barclays and was on hold for over an hour when I reached a representative who told me that Barclays accidentally charged it twice and they would be crediting the charge and then the same rep told me that I had to prove I didn't make the second charge. I tried to explain several ways that this was clearly a duplicate charge for which I only placed one authorized charge and was still seeking credit for the second charge. I was told a supervisor would call me in 7-10 business days to resolve and I have never heard from anyone since then.

It would appear Barclays did not attempt to address the duplicate charge at all. I have no proof of a second charge as there was no second charge. I only placed one authorized charge and have since returned that merchandise for which the merchant credited me but I was still charged that second charge. 

I have attached the credit card statement showing 2 charges, the merchants email confirming they received my return, the merchants email confirming they issued the {$150.00} for the return, the statement showing the credit of {$150.00} on XX/XX/XXXX and the letter from Barclays that they were not able to resolve the issue. 

I have no documents to show the second charge was credited, because that has yet to happen.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a prepaid credit card and had the card for about a year, the limit of {$300.00}. you could not go over the limit because the card was setup that way, ran into a bit of work issues and wasn't able to make on time payments. Fifth 3rd bank decided it in their best interest to close the card, at which time the cards balance $ XXXX.they had my {$300.00} to clear the account but failed to do so, to this date they are still charging me interest and reporting to the credit bureau I now owe {$470.00} in late fees and over the limit fees. I called them and they try and say they can continue to charge me and report to the credit bureau, I am so confused how they can do this, I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Prior to this dispute I have disputed accounts on my chexsystem report that were fraudulent and unauthorized without my knowledge or consent. I have several security alerts on all 3 of my credit reports with the bureaus due to fraudulent activity, my information being exposed in several data breaches and also on the dark web. Such my social security number, past and current address I resided, employer information, hacked email addresses, passwords to banking information, different spellings of my name was used to create accounts, also a loss drivers license which was replaced on XX/XX/2018 and also other personal information compromised. There are a few bank accounts that were opened in my name. I was not contacted or received any documents of this information listed in the check system. XXXX  XXXX XXXX has reported fraudulent information and has harassed me via phone in reference to collecting moneys not owed. A collection agency has been contacting me via phone as well, stating that they are collecting the unpaid moneys on the behalf of XXXX  XXXX XXXX and this is an attempt to collect a debt and if not paid to them I will be prosecuted. Due to this fraudulent account and reporting to the check system. I am unable to open any accounts with any other banks and the harassment from both companys has impacted my life in a drastic way. I am requesting for XXXX  XXXX XXXX to delete these inaccurate account and all derogatory information from my chex system report. Count your losses, delete this negative inaccurate information and please stop the harassment for legal action is taken. Attached are documents proving my identity was compromised and a identity theft report was also done online.

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 2020-05-17 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: Clark County Collection Service
State: NV

Complaint narrative:
Ive complained several time on the debt which is not even mine, but clark county collection has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when clark county collection finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. XXXX is still illegally showing it as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Security National Automotive Acceptance
State: TX

Complaint narrative:
Before I purchased a XXXX XXXX XXXX In 2014 from XXXX XXXX XXXX they never did a mandatory vehicle inspection or emission test according to Texas law ... .instead they made me finance one without going through the proper protocol and security national automotive knew about this to ... that's deceptive practices issuing me tags without inspection

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 2020-05-17 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: DE

Complaint narrative:
A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.

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 2020-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
A Capital One credit card was opened in my name on XX/XX/2018. I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: DE

Complaint narrative:
A XXXX XXXX credit card was opened in my name on XX/XX/2018. I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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: NV

Complaint narrative:
Ive complained several time on the debt which is not even mine, but XXXX XXXX XXXX  has insisted that it was. XXXX XXXX was the original creditor, that closed the account on XX/XX/2016 which is the time the statute of limitation should have started, not when XXXX XXXX XXXX  finally started reporting it on XX/XX/2016. so this has illegally been reaged to keep it open longer than the law allows. transunion is still illegally showing it as open.

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 2020-05-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dept of Educatican /XXXX  , XXXX, XXXX XXXX XXXX , and XXXX  XXXX violated my 609 rights by reporting incorrect informatio to Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX reported to the Exerian that I applied for credit in which I never applied for. They have violated m rihts to have fair and accurate iformation on my credit report. 


My personal information o my credit report is inccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation on my consumer protection rights.

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 2020-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I've contacted Fortiva twice by mail ( letters dated XX/XX/XXXX and XX/XX/XXXX informing them that I am having difficulty making payments as I have been furloughed from my employment due to the covid-19 crisis. I've told them I do not know when I will be called back to work and I am running low on my savings. I've offered to make a one-time payment of {$150.00} from my covid-19 stimulus payment if the balance can be considered paid in full. The account is closed and the balance due is {$220.00}. 

They wrote me back and said they would defer the XX/XX/XXXX payment however it was taken out of my account. I called them on XX/XX/XXXX and spoke to a representative who told me that no settlement can be made since the account is not in default. 

My economic situation is already dire and now they want me to be in default with potential harm to my credit before they can even accept my settlement offer? This is not good business especially in light of this national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I sent in a letter to Trans Union notifying them of inaccuracies on my credit report. after waiting 30 days I still haven't got a response so I sent them another letter to comply still no answer yet.

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 2020-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : 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, PORTFOLIO   RECOVERY  # XXXX, PORTFOLIO RECOVERY # XXXX, XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX submitted two disputes on my behalf to correct two late payments ana the crake bureaus have not updated my report yet. I have submitted several disputes and the information has not been updated. There is are late payments for XXXX and XX/XX/2019. This information is inaccurate I have told them that ana so has XXXX XXXX. I do not know what to do and why this information is not updated. When I submit disputes the creditor does not even investigate. XXXX told me that they have not received anything from these three credit bureaus regarding my account. So they are just ignoring my requests.

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 2020-05-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have submitted several disputes on behalf on my account with XXXX XXXX. There are two late payments for XX/XX/XXXX and XX/XX/2019. XXXX  corrected the error then they put it back past due 30 days after a week. I am confused as to why they are manipulating my credit profile. XXXX XXXX has also submitted two-three disputes on my behalf to correct these errors and the mistake has gone uncorrected. This needs to be fixed because this account has never been late

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 2020-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I was abruptly removed of my funds and account for no apparent reason even after providing valid proof of the source of my funds. I was simply transferring funds to my loved ones and friends of which were impacted by this focus-19 crisis and PayPal decided to take my {$1500.00} of hard earned money away from me and my loved ones

Company response to consumer: Closed with explanation