vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: TX

Complaint narrative:
I signed up for an Albert XXXX XXXX insured through XXXX XXXX ) account using a referral link I was provided. The referall link terms were very simple and only stated 1. You must be a new Albert member 2. You must sign up with a referral link 3. You must set up direct deposit with Albert Cash 4. Make a direct deposit of {$200.00} or more every 30 days for 90 consecutive days ( 3x total ).

5. Spend at least {$100.00} on goods or services with your Albert debit card every 30 days for 90 consecutive days ( 3x total ).

I met all of these terms in the 90 day window.

1. I have never had an Albert account before 2. I signed up using a referral link I was provided. The link takes you directly to the XXXX play app store ( or apple app store ) and provided them with my history which shows a link I clicked on that had the referral link and shows the XXXX play store address. I signed up for this account on XX/XX/XXXX 3. I set up a direct deposit from my employer into Albert Cash 4. I received a {$200.00} direct deposit from my employer on the XXXX and XXXX ( or earlier depending on weekend and/or # of days in month ) of every month from XXXX through XX/XX/XXXX. That satisfies the " every 30 days for 90 consecutive days '' requirement.

5. I spent over {$100.00} using my Albert debit card every 30 days for 90 consecutive days. 

I have provided all proof needed to Albert along with pictures of the terms I was given at signup.. and they refuse to payout the {$150.00} signup bonus. They are impossible to work with and do not have a number to call. There is only a number ( 5 digit so can not call ) to text and an email. I followed all rules and terms and they refuse to assist. 

Albert keeps making up terms that are not posted anywhere on the website or anywhere to dispute any bonus like " the referrer has to complete all requirements as well '' ... which is not posted ANYWHERE online or in the signup terms. They are a terrible product and do not have any online banking. Only app which is hard to work with. 
They then tried to claim I didn't use a referral link. Even though I provided them my history in my phone google chrome browser which showed a XXXX play store link with a referral code/link. They then admitted I used a referral link. They just continue to be impossible to work with and will do anything to not pay out the bonus as promised in the terms. Also my direct deposits that I set up match the direct deposit requirements EXACTLY as stated in the terms... why else would I set this up.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: DE

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
For several years I have been unable to get my Equifax credit report from XXXX After answering the questionnaire, it tells me " online delivery unavailable ''. I've called Equifax a number of times and the only response I get is that the problem is with XXXX and I must request the report by mail, which means I must pay to send it via certified mail due to the confidential nature of the documents they require to prove my identity. ***I do not have this problem with requesting my credit report from XXXX or XXXX I emailed the upper management at Equifax on XX/XX/XXXX and XX/XX/XXXX ( see attached ) to no avail, and then started calling them again. Customer service tells me the problem is with XXXX. When I contacted XXXX they sent me papers that were completely unrelated to the issue. They also said the problem is with Equifax, not them. It's a run-around. 

I sent an online complaint to XXXX  on XX/XX/XXXX and have not heard back from them yet, but don't expect a resolution if their history is any gauge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Affirm Inc added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with XXXX Affirm Inc ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( XXXX ) ( XXXX ) - Permissible purpose, of consumer reports. ( XXXX  ) in general Subject to subsection ( XXXX ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( XXXX ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: DISCOVER BANK
State: NY

Complaint narrative:
In XXXX, I fell behind on payments with this company due to my income being negatively impacted by XXXX. After losing my job, it was impossible to find a job to make payments due to being on lockdown. My XXXX also fell gravely ill with XXXX and my family almost lost her. Despite this, I scrounged up some money to begin making payments towards Discover, even going so far as to use a XXXX relief grant from my school to pay off the remainder of the balance. In XXXX of XXXX, after my XXXX had made a full recovery, I was able to focus on other things and reached out to Discover explaining my situation and inquired if they could remove the late payments from my credit report. I received an automated response denying my request and no investigation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
They are debt collecting against my XXXX year old XXXX, XXXX XXXX ( birthday XX/XX/XXXX ) for {$150.00} dollar hospital fee. I called to advise they can not debt collect against a child and they will not remove the debt even though they violated the law. On XX/XX/XXXX they confirmed the debt is in my childs name on a recorded line and apologized for their error but can not remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: Sezzle Inc.
State: TX

Complaint narrative:
A lot of inquirers that are not approved by me, I worked for a company that had a data breach and was told information was compromised. Asking to have these items deleted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( XXXX ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX 12 XXXX XXXX BANK XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A.states i have the right to privacy. 

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions this is stopping me from getting an apartment, job an continuing my life

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 2022-03-22 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: WA

Complaint narrative:
I have contacted Equifax several times already over the phone and I am being pushed back to provide documents that are not required under the Fair Credit Reporting Act. I have sent what is REQUIRED in the case of identity theft. These documents were sent via post mail and I have included the proof of delivery. These documents have been received by Equifax, so the representative I spoke to on the phone is providing inaccurate and false information. I demand that these fraudulent accounts be deleted immediately as this is now damaging my consumer report. The allocated time for resolving this matter is well past it's deadline. Equifax needs to rectify the issue immediately. This has been going on since XXXX now, it is by far compromising my relationships with other firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I initially filed a dispute because I was dissatisfied with the merchants service. I cancelled my account with them and asked for a refund to which they replied it is nonrefundable. I filed thr dispute at the end of XXXX of this year. They were filed as separate claims for each transaction even though it was the same merchant. I kept having to go back and forth with the claims department due to the disorganization of the claims. They accepted two of my claims and then denied the rest, even though it was for the exact same thing with the exact same merchant. Their ultimate reasoning was that they don't interfere in gambling transactions. So I filed an appeal because it wasn't a gambling transaction. I gave them the relevant parts of the websites terms and conditions showing that it was a sweepstakes and gaming site. One agent in the claims department apologized to me saying they didn't handle the case properly and that he would escalate the appeal and that the merchants response was not strong so I should win the cases. That wasn't the case. I got an email today saying that they are still not going to help me with the my claim because they don't deal with gambling charges. So despite me showing and proving to them that it's a sweepstakes site. They took the easy way out and refused to do anything about it. What confuses me is that two of claims out of the XXXX are actually being disputed, why they couldn't work on the other ones is unclear to me since it's all the same merchant. Additionally it is illegal to gamble online in most states and I'm not in one of the states that allows online gambling anyway, so even if I wanted to gamble I couldn't. They are accusing me of lying saying it's a gambling site when the sites own terms and conditions show it's sweepstakes and games and that you can get free entries to the sweepstakes mailing requests in, no purchase necessary. That's not how gambling sites work. I am extremely upset because I've been working with them for over two months now and it's not even on chump change. One person says one thing and gets my hopes up then they deny it. This has happened like 3 times. I've been a customer with them for 11 years now and they won't even help me with something like this.

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 2022-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XXXX XXXX sent a fraudulent gold card in my name. I did not find out until XXXX. I filed for bankruptcy in XXXX. In XXXX I called to get statements to pay the cards off and they sent me more statements then I had cards and that is when they told me about someone calling saying they were me to send out a card. Well I paid it not know because they never told me what card I was paying just the amount due. The last time I used my gold card was XX/XX/XXXX. They have removed the charges but I'm still waiting on a refund for the payments I made. The have copies of all statements showing my payments but nothing. In is going on XXXX years the keep telling me the back office is working on it and there are no updates. I have reported it to their complaints department many times and nothing. They keep telling me they will have someone call me and no one has ever called me this whole time. XX/XX/XXXX is when I reported this and to this day no one has called me. I want my money back is is well over a XXXX dollars I have paid on charges that I never made

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22 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: KS

Complaint narrative:
Equifax Credit File XX/XX/22 Confirmation XXXX States Factual Record of File access and will remain on Equifax credit file for 2 years. These hard inquiries are not mine. They are from the address in XXXX XXXX FL that Equifax did take off. I DID NOT APPLY FOR CREDIT TO THESE 10 COMPANIES. SEE ATTACHED. ALSO SEE LETTER FROM XXXX, ALSO ATTACHED. 
If the hackers have my personnal information, yes, it will look like it was me, but this XXXX XXXX XXXX did not apply for credit with these 10 companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
My wallet was stolen out of my car in XXXX. It contain my lD and SS card and other docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
I purchased a subscription to the XXXX XXXX and confirmed it would not be auto-renewed. Six months later I received a renewal form and contacted them stating I did not want the newspaper. We contacted them on XX/XX/XXXX to state the paper was still coming and we had not renewed ( they said they would cancel delivery and remove the charges. We received a letter from A.R.M. Solutions stating they were a debt collector and we owed {$230.00}. We called the XXXX XXXX on XX/XX/XXXX and they said they would contact A.R.M. and advise them the charges were removed. We continue to receive letters from A.R.M. trying to collect the debt. I spoke to them on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX who advised me to contact The XXXX XXXX again. My wife called the XXXX XXXX on XX/XX/XXXX @ XXXX and spoke to XXXX XXXX # XXXX ) who advised her that we owe {$0.00} and A.R.M. would be advised. We received another collection notification from A.R.M and I contacted them today, XX/XX/XXXX at XXXX and spoke to XXXX  XXXX again who advised me I needed to go back to the XXXX XXXX as they had not advised A.R.M. of the correction and that I should send a letter of dispute to A.R.M. I find this to be irritating and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
un-validated Inquirys appearing on my credit report on XXXX of XXXX and are not recognized by me

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 2022-03-22 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover financial services agreed to remove the late payments due to the hardships brought upon me by the pandemic, and have yet to do so. Under the CARES ACT, they agreed to apply a courtesy update removal as long as I set up a repayment plan. They have yet to do so and are in violation of CARES ACT and XXXX.

Company response to consumer: Closed with explanation