vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Hello, I opened a credit card with American Express on XX/XX/2021 ( XXXX XXXX XXXX ). the card had a bouns offer of XXXX miles after spending XXXX $ in XXXX months. I meet all these requirements. I called American express today ( XX/XX/2021 to see why I did not receive the bonus offer. They told me that I was no longer eligible even though I meet the requirements for the bonus points. This is fraudulent activity by American express. You can not offer someone an offer then deiced to not to offer it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
In XX/XX/ 2021, I filed an FTC report for identity theft and sent it to XXXX and XXXX but they refused to remove this item in the amount of {$310.00}. The account was last updated on XXXX/XXXX/2021, which is incorrect. I also questioned the company 's XXXX XXXX, but they did not answer. I'm not sure where this loan originated. My bills have always been paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received a check book and a book from Td bank stating Ive opened an account and also open a checking account. I did not i dont bank with TD bank at all i dont know how has my information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
On XX/XX/2021 I sold XXXX XXXX for {$230.00}. I accurately completed a request for transfer of these funds to my bank account. To date, this has not occurred. I have repeatedly emailed Gemini concerning this issue. I repeatedly get vague answers as to my refund or no response. I am requesting {$230.00} be wire transferred to my bank account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2021 my mortgage increased from {$1400.00} to {$2200.00}. Bank of America indicated that the increase was because of a sudden shortage in my escrow account they discovered. I called on XX/XX/XXXX and spoke to a representative. The representative was difficult to deal with, but we finally realized that Bank of America had miscalculated my amount needed in escrow because they did not take my home owners exemption into account ( despite the fact that all of the tax records they claimed to have clearly had my home owners exemption marked ). I asked them to change my mortage back to the orignal amount and the send me a check for the extra money they took from me due to their miscaluclations in my mortage. They gave me an incident number and said they would call me back in 5 business days. I waited 2 weeks and did not hear from them, so I called them back. They gave me a new incident number and said they were still working on it and told me they would contact me in 3 business days. It has been two more weeks and they still have refused to update my new mortgage to the correct amount ( even after they admitted it was incorrect ) and still have not refunded the extra money they have taken from me. I am a XXXX XXXX XXXX in a XXXX XXXX area, and I have only owned this home for a year. This is my first home, and my budget is tight trying to make this work on a XXXX XXXXXXXX XXXX XXXX salary. I am afraid I will miss a payment or be unable to continue to afford my house and savings account payments. Please help me fight back against this big bank and their preditory practices.

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 2021-11-29 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: IL

Complaint narrative:
I have made several attempts to resolve the issues with the credit reporting agencies. There are several accounts, as well as multiple entries listed in my personal information that do not even belong to me. I have submitted an FTC complaint and the credit reporting agencies were also sent a copy in previous letters. I have rights that protect me as a consumer and have notified these agencies of the violations they are committing. Their continued willful non-compliance is unacceptable. 
I am seeking the assistance of the Consumer Financial Protection Bureau, Federal Trade Commission, and State Attorney General to remove the fraudulent and inaccurate items that are being reported on my personal credit report. 
I am prepared to seek litigation if this final attempt to remove the items goes ignored. 
I will be uploading the documentation that was previously sent containing the items in question. 
Also note that I AM submitting this complaint on MY OWN behalf and no third party is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I scheduled an appointment with an auto dealership to discuss the possibility of leasing a vehicle. The salesperson requested I complete the credit app in advance but ensured me he would not run my credit until the appointment. The morning of the appointment, I cancelled the appointment & requested he shred the credit app. Then, I received notification that the salesperson dishonestly ran my credit the day before the appointment.

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
One main financial calls multiple times a day after I explained what information I can get them. Im under duress and have explained this to them multiple times. I am currently out of work after being injured and have explained that I will get with my dr for a note on the XXXX. They continue to call constantly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: HI

Complaint narrative:
XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM TRANSUNION. XXXX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

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 2021-11-29 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: HI

Complaint narrative:
XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND EQUIFAX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. EQUIFAX OR XXXX, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: HI

Complaint narrative:
XXXX XXXX BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, EXPERIAN AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM XXXX XXXX OR FROM XXXX. XXXX OR EXPERIAN, XXXX XXXX BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY

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 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
credit card WELLS FARGO BANK XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00} other XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 non-monetary relief
Consumer complaint received 2021-11-29 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I see that you guys validated that these inquiries are accurate. I would like a copy of my written signature, a written copy the time and date of when this happened, a written copy of the rep or clerk who handled me as customer or client. I am not of aware of these inaccurate inquires and you are reporting false information on my credit file which is against the FCRA and I ask that you immediately delete these inaccurate items.

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 2021-11-29 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The XXXX XXXX protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXXXXXX XXXXL # XXXX COVID LATE, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, CREDIT XXXX BANK # XXXX COVID LATE, XXXX XXXX # XXXX XXXX 2020 XXXX XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from XXXX. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: CA

Complaint narrative:
These accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information

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 2021-11-29 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: PA

Complaint narrative:
I am making this complaint about the credit reporting agency Transunion. I had an account/auto loan that was on my report with XXXX XXXX XXXXhat didn't belong to me and was completely inaccurate. The account was successfully removed on XX/XX/2021 after multiple letters sent with proof of the account being unrelated to me. On XX/XX/2021 the account that was removed was reinserted on my Transunion report ILLEGALLY. As required by the FCRA, the CRA must send me written notice of the reinsertion within 5 days. The mark was removed and I have sent prior letters informing Transunion of this and I have not received any response or have had the item removed from my file. I am now making this a legal matter and am prepared to take this up with an attorney and sue for damages by Transunion. Please remove this immediately, as I will do what I need to in order to protect 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 non-monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Throughout the month of XX/XX/XXXX, I applied for several apartments because my children and I needed to get our own place, but our applications kept getting denied due to our rental history. We haven't lived anywhere in many years, except with family, due to a major illness that I acquired about 5 years ago. So the last place I applied to, I asked, and they informed me of the place it came from. Per XXXX Rental history, it stated that owed money from a place I rented back in XXXX. It also had the address listed. The information is incorrect. I've reached out to all XXXX credit bureaus. disputed and also the company that does the rental history for XXXX ( XXXX ) to inform them that this info was incorrect, but it has not changed and is still listed on my report and not allowing me to obtain housing. When I left the listed address, I didn't owe anything. I've provided XXXX 's to verify that the address was too old to be on this report. My credit reports say {$570.00}, but my Rental history report says {$570.00}. I want all of it to be removed as soon as possible. If I'm correct, conflicting information should be removed. Am I not correct?

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 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
After moving to XXXX  from XXXX selling our house, and after waiting to clear all the outstanding bills in XXXX of this year I asked Capitol One to send the remaining {$10000.00} to my new address or to XXXX XXXX. Since closing my account I talked to robot ( 5x ) and 11 live people but I am still waiting for my money on which I was counting during my retirement. At least they all ( except the robot ) were very sorry and thank me for my patient, but no money. 
First they said the they sent it wrong address and since did not came back, I will have to wait three months to make sure nobody cashed it. Then on XXXX they made a new check but was undeliverable ( sent to XXXX instead to XXXX where I live ) and returned to Capitol One. Third attempt was also returned, but I do not know why because the never gave my the XXXX tracking number. After the third attempt they said that they will send me an affidavit to fill out and send it back. That also never came. I asked to send me an email, which they failed to do. It seems very suspicious, because before asking for my money they were sending me mane promotional materials using USPS and email. 
Please, contact the XXXX Capitol One, XXXX XXXX XXXX, because he may not be aware what is going on in his bank. I tried, but I am not important enough to answer my letter to him. It is possible that this delaying tactic is done on behalf of the bank or maybe some individuals are trying to get rich on my account. 

Please help me. I need that money as soon as possible. 

Thank you, XXXX XXXX XXXX. If you need additional information, I will be happy to supply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I asked the company XXXX Bank of America ) not to close my account. 
I do not want the account to be closed, and I have 100 's of bill payments from my account ending in XXXX at Bank of America. 
I ask that my account is reinstated and put back in active status by Bank of America. 
I asked for the company ( BOA ) to reopen/reactive my account ending in XXXX. 
I am a member in good standing, always, and I pay my bills at the time each time. 
Please confirm in writing by both EMAIL and US Mail. 
I would like to hear from executive office of Bank of America. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sunset Solutions Group, LLC
State: CO

Complaint narrative:
The company keeps calling me and my family about debt but will not validate the debt. I asked for them to mail me a copy of validity of the debt and they wont. They also said I signed a form on XX/XX/XXXX which I didnt. They sent me that form and it wasnt my signature it was definitely forged. They are being super shady and will not give me paperwork on the debt.

Company response to consumer: Untimely response