vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion.com website is severely misleading. It guides the user to sign up for an account that appears to be free. During the sign-up process, it asks for credit card information but does not explain what the credit card will be used for. I assumed it would be used to verify my identity because there was NO indication of a dollar amount, charge, or otherwise buying a subscription or paid service. 

Once I completed the account signup process, I discovered that TransUnion charged my card for {$27.00} and set up a monthly recurring charge. This was the very first time I saw that amount, that the card would be used for a monthly service, or that I had signed up for anything paid. 

When I called TransUnion to request a refund and complain about the clearly predatory signup process, the phone agent graciously refunded my money. However, the phone agent also acknowledged that this was an extremely common problem -- she even agreed with me, over the phone, that this practice was predatory and likely illegal. 

I'm not sure how Visa, Mastercard, XXXX, etc., allow this type of processing to occur. I've never seen this type of behavior before -- where a website requests a credit card number and charges the consumer without EVER indicating the dollar amount, the frequency of charge, the services rendered, or anything related to the financial transaction. This is, by far, the most predatory and hostile user/consumer interaction that I've ever seen on the Internet over the 20 years I've been conducting e-commerce.

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 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of Toyota Finance in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2021, I attempted to transfer 61,000 American Express Membership RewardXXXX points from my Amex account to my XXXX XXXX account. When I clicked the " transfer '' button, the transfer was executed twice, so 122,000 points were deducted from my account instead of 61,000 points. 

I immediately called American Express to note this discrepancy and asked for the transfer to be reversed. The first customer representative I spoke to told me that I had requested two separate transfers, and that transfers could not be reversed. I emphasized that I had not requested two different transfers and asked to escalate the issue. I spoke to a manager, XXXX, who also reiterated that the transaction could not be reversed, and said " that is a bummer '' when I described the issue to her. 

She then began to ask me about other transactions on other cards, and said that she could not add additional points beyond 10,000 points, which I rejected as insufficient restitution. She told me that she would open case XXXX within American Express 's investigation department, and that the investigation would take 6-8 weeks to resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROFESSIONAL DEBT MEDIAT at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$6600.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I.C. SYSTEM, INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
BB & T allowed a fraudulent checking/savings account to be opened up in my name. About 3 months the fraud was identified and the account has been blocked from additional activity. 

I keep getting notifications that the account is overdrawn. Ive called both a local branch and the BB & T fraud dept about closing out the account and disassociating me from it. Apparently, no action has been because I just received another notification threatening to report this to XXXX if I dont pay the overdrawn balance.

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 2021-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
" Ace Cash Financial Group '' is threating me with a debt that I do not owe and never applied with consent. They have no verification nor confirmation that I requested this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of XXXX XXXX in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.

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 2021-10-17 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: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable

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 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/XXXX to inquire about a new car purchase and returning my lease. I spent quite some time with a gentleman named XXXX XXXX in sales. He showed me a purchase order and eventually I was escorted to the Finance office to discuss prices. When speaking to the finance coordinator, XXXX XXXX XXXX, we discussed possible different finance options but were just playing with numbers as I had not agreed on the price of the car. I specifically told him not to run my credit, since I saw on his computer that he had pulled up all my information from a prior vehicle purchase. He held up his hands and said " I haven't done anything yet, not until you tell me. '' In the end, I did not like the deal they were offering so I left. I recieved an email notification from XXXX XXXX that there was a new hard Inquiry on my credit report. They used my SSN on file to run my credit prior to even telling me! I did not authorize it. I returned again to the dealership today XX/XX/XXXX to complain. When I spoke again to the finance gentleman, XXXX XXXX XXXX, I reminded him that I had said NOT to run my credit when I was in the office with him, and he admitted that he had ran my credit using the SSN on file PRIOR to my even walking into the office, while I was still with the sales consultant, XXXX. I told him I never authorized him to do so, and that I had not even been sure I wanted to purchase a car. I even went on remind him that yesterday I had said " Don't pull my credit yet! '' and at that time he denied having pulled it. He simply apologized and said it " must have been a misunderstanding. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. Please delete these items to improve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Re : Loan Nbr XXXX SLS/XXXX FRAUDULENT FORECLOSURE Please see Letter of today, XXXX XX/XX/2021, enclosed with the full complaint. 
For some reason the document would NOT permit me to copy/paste. 
Please forgivel Thank you for understanding. 

Sincerely, h 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 explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I DID NOT HAVE MY REFUND IN 7 DAYS AS PROMISE CONCELECTION NUMBER XXXX I SEND MY MONEY IN XXXX XXXX,2021 MY COSTOMER NEVER HAVE MONEY THEN I TRY TO CANCEL MY TRANSFER I NEVER HAVE MY REFUND {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have two Chase Freedom credit cards that, unfortunately, went into a " collection status '' in XXXX. I have paid off in full, directly to Chase, the entire balances on both of the Freedom accounts, including all penalty charges that accrued at the end of the account. 

In XX/XX/XXXX, I called Chase to ask that, as a courtesy, these paid-in-full accounts be removed/deleted from the three credit reporting bureaus, where they have been reported. 

I explained to the Chase representative that, in XXXX, I was laid off from my job, and that is why, in XXXX, I got behind on my payments. While I understand that was not the fault or concern of Chase, I am asking for some leniency now. I simply don't want to have my credit penalized for several more years because of a job loss that was no fault of my own. 

The Chase representative said he could do nothing to help me ( at that time - XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After receiving my consumer report from Equifax, I noticed a few fraudulent inquiries and accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating claim and disputing the fraudulent inquires and accounts, Equifax is still reporting the negative/inaccurate accounts on my consumer report. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, Equifax willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, Equifax is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: SC

Complaint narrative:
I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.

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 2021-10-17 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 — Was not notified of investigation status or results
Company: ALCHRO INC.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to FIRST FED CREDIT & COL and they never responded nor sent back any correspondence about the deletion I requested. it has been more than 30 days! there is still multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 14 complaints on XXXX they also have over 600 complaints with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.

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 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Moneylion has locked my account for more than 10 months, they keep saying they are going to send the money back to the sender but never do it. They asked me for documents to unlock the account but they do not unlock it. They have been holding USD XXXX the account has been frozen since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On XX/XX/2021 I received correspondence from XXXXXXXX XXXX XXXX stating that " [ they ] were unable to locate an account in [ their ] system under [ my ] name. '' This account is not mine and I have not knowledge of it, yet it is still reporting to my credit 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 non-monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened my BMO Harris checking account on XX/XX/XXXX. I was to receive a {$500.00} bonus if I met the following criteria : " Get a {$500.00} bonus when you open a new BMO Harris XXXX  account and have a cumulative total of {$7500.00} in qualifying direct deposits within 90 days of opening. Bonus is paid approximately 100 days after opening ''. 
On XX/XX/XXXX a qualifying direct deposit in the amount of {$8000.00} was made to my account. On XX/XX/XXXX, 100 days had been met. I very clearly met the requirements, but it has now been over 110 days since account opening and the {$500.00} bonus has not been paid out. I reached out the BMO Harris through phone and messenger in the app and received the following response. " Upon review, I do not see that the requirements have been met, the tracking window for the promotion ended on XX/XX/XXXX. I did not find at least {$7500.00} in qualifying direct deposits. '' Clearly BMO Harris just does not want to keep it's legal obligation and pay me my {$500.00} bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Please forgive me, however, these documents would not open to be submitted with COMPLAINT XXXX filed about 2 hours ago.

Uncertain IF it was your system ( as this has happened on prior occasion ) or IF my computer. 

However, these are an extension of the above referenced complaint. 

Thank you for understanding 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 explanation
Consumer complaint received 2021-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX has been acquiring synthetic identitys for years using various addresses, defrauding several banks and credit card companies. Her real address is XXXX XXXX XXXX XXXX XXXX Il XXXX her real social is XXXX. Here are a few of the addresss shes used to get her cpns XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. I will attach emails between her and the lady who created the synthetic identitys for her as well as a copy of her fake social security card.

Company response to consumer: Closed with explanation