vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-12 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: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
XXXX, XXXX XXXX at local Citizens Bank asked me if I'd would want the new XXXX XXXX with 5 % cash back promo ( on up to {$6000.00} during first year, then reverts to 1.8 % on everything ). She signed me up for it. Got the card and started using it XXXX XXXX. 
After about 10 days I set up my online account and noticed I was getting 1.8 %, not 5 %. 
There is no other option besides a phone number to contact " Customer Service '', so on my 4th try to speak somebody, and XXXX. XXXX min. on hold, I finally got to explain the problem. The polite man eventually told me I'd start getting the 5 % in about 3 business days, and the difference between 1.8 % and 5 % for purchases already made " would be added to my account in a lump sum ''. I started getting the 5 % on XXXX XXXX. By then I had {$2100.00} in purchases, meaning I was owed {$67.00} in reward cash-back. 
The owed amount never appeared. I called back on XXXX. This guy told me " it would take 2 weeks to get it ''. Asking " why? '' got no answer. I told him " I'll believe it when I see it '' and told him I'd be filing a complaint if it didn't happen. 
3 weeks went by. Still nothing. Called back XXXX XXXX. The " Customer Service '' rep was full of " I'm Sorrys '' but nothing was done to this day. 
It may not be a whole lot of money, that was the deal, then it's part of the contract between the bank and a very good XXXX customer of theirs. I expect it without being lied to by " Customer Service '' people who apparently know nothing and can't fix it themselves. I'm not wasting my time by calling again. It's useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: TN

Complaint narrative:
Please be advised, Ive sent numerous Communication to credit management in reference to a debt that I do not owe. this account is fraudulent and does not belong to me please see attached FTC report. I have never done business or enter into a signed contract with credit management lp Account number XXXX {$810.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: NH

Complaint narrative:
After disputing an inaccuracy on my report, and getting a late payment removed in from an error that occurred in 2019, my credit score increased by XXXX points. Then for no apparent reason, XXXX  days later, it went down XXXX points! The Transunion score is now lower by XXXX points compared to XXXX, and XXXX ( who also uses XXXX ) and there are no differences in the reports in terms of payments or debt. Something seems askew with this score, algorithm or scoring model. 
Transunion was the only reporting agency that had this score reduction. I have contacted customer service at Transunion, which was an abysmal experience and of zero help. Please refer this request to a competent individual within your organization who can investigate the issue in detail. I think its reasonable to expect transparency as to how this score is calculated and an explanation as to why a score would drop after having negative information corrected. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
ive sent numerous emails messages letters to IC System informing him that I have been a victim of identity of this account is not mine Ive never done business with this a company Ive never entered into a signed contract with this company please block and delete information from my credit thank you. Please see attached FTC report

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 2022-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I GOT APPROVE FOR A CREDIT CARD FOR 4000 $ NOW AFTER WEEKS OF APPROVEMENT. THEY TELL ME MY CARD IS CLOSE. THE REASON WAS FOR MY ASK FOR MY TAX RETURN. AND I THEY I ENTER THE WRONG address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: TX

Complaint narrative:
I called Experian in reference to inquiries that I saw on my report that does not belong to me. As a consumer I have been doing due diligence to watch my credit. They said they would help me with the inquiries. I know as a consumer that each inquiries reflects at least 2 to 5 points from your credit. Experian removed my inquiries in the amount of 20 inquiries yet they did not move my score. I find that the credit bureaus are showing discrimination actings towards XXXX Americans. This is blatant truth because my score stayed at XXXX and has not moved since they took the inquiries off my credit. Im am taking this evidence and filing a lawsuit for discrimination to this consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
I had cable tv and internet services with XXXX for several years. I decided in 2020 to disconnect all of my XXXX products and go to a competitor. Knowing that I was switching providers, I paid XXXX the full amount on my Closing Statement {$180.00} immediately. But, for some reason XXXX wants me to pay additional charges and they have assigned my closed account to a few collection agencies. And I have continually submit proof of payment and they no longer contact me. Nevertheless, XXXX keeps hiring new collection agencies knowing that my account has been paid in full.

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 2022-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood will not allow me access to my account. I submitted a selfie and a copy of my ID and they refuse to accept it. You can not call anyone at the company unless you do it through the app and you cant get into app until you get a cleared selfie. I feel like they dont want to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. XXXX XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I LEASED A XXXX XXXX XXXX AND IT WAS SOLD TO XXXX XXXX ON XX/XX/XXXX. THEY INITALLY REPORTED THAT THE PAYMENT WAS LATE BUT IT WAS NOT BUT IN REVIEW OF MY CONTRACT, I SEE THAT I WAS CHARGED FOR A WARRANTY. NOT JUST ONE BUT MULTIPLE. I HAVE BEEN ATTEMPTING TO CONTACT FOR FOR A REFUDN BUT HAVE BEEN UNSUCCEFUL. WHAT A HORRIBLE WAY TO TREAT A CUSTOMER AND THEN TO ADD INJUST TO INSULT, THEY SENT A BILL FOR A LATE FEE FOR XXXX AND THE TRUCK WAS SOLD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit 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 non-monetary relief
Consumer complaint received 2022-02-12 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: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
For the dates of XXXX of XXXX, XX/XX/XXXX and XX/XX/XXXX, by court of law it was stated that I was not responsible for house mortgage payments that are reflecting on my credit score. The monthly missed payments were XXXX grand total of XXXX. Upon stating this to the credit company they stated that they cant do anything for me but to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I have sent several letters to dispute this item and no response. The first letter sent was a Hipp letter on XXXX and no response or removal. I sent a failure to respond XX/XX/21 no response and it is still on my credit report as of now. The amount of the account is XXXX and still not response on this account that should be removed by now after several attempts.

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 2022-02-12 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX XXXX ( Original Creditor : 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 2022-02-12 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : 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 2022-02-12 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: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX XXXX XXXX prepared loan modification documents for someone that did not have ownership interest in a property that was in probate when my mom passed away. The home was later distributed to the heirs to my moms estate, which included me. XXXX is shown on the loan modification as the servicer and lender. XXXX XXXX is shown as the borrower and owner, but he had no ownership interest in the property. The derivation clause was left blank and the signature of XXXX XXXX was not notarized. While the modification was never recorded, it was later sold and when XXXX XXXX defaulted on the void modification, the current servicer filed for foreclosure on the original mortgage and didnt mention the modification to the court. I asked the court to vacate the order allow the foreclosure of the note and mortgage as the payment terms in the complaint did not match the deed and mortgage. In responding to the motion to vacate, the new lender introduced the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IN

Complaint narrative:
I bought a non-reloadable visa prepaid card issued by US Bank National association ( " XXXX XXXX  '' ). I can not either register online or use it to purchase in store. 

I called their customer service and they told me that they could not access to the account. There is no other way to contact them.

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 2022-02-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation