vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My friend sent me his referral link to sign up for a capital one Quicksilver credit card. Here is the link I used https : XXXX. 

Located on this page is a new cardmember offer of a one-time {$200.00} cash bonus once I spend {$500.00} on purchases within 3 months from account opening ( which I completed ). My friend got his bonus but I didn't receive mine. I called customer service and they said the system won't let them send the bonus because it shows that I accepted some other offer that did not include a bonus. I said that's impossible because my friend already received his referral bonus from this same link. Im not sure whats going on but I feel like i got baited into this and everything got flipped on me. Please help me receive my signup bonus that I was promised because it's the reason why I did the application in the first place. If I didn't qualify I would never have filled out the link. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/ - Initiated transfer from Capital One to XXXX XXXX account using XXXX XXXX XXXX This is a normal transaction I do every XXXX weeks ), {$600.00} withdrawn from Capital One. 
XX/XX/ - Money has yet to hit my XXXX XXXX account, called Capital One and they said the transfer had failed and had not credited my {$600.00} back. Submitted complaint and was informed that a credit would be applied next business day. 
XXXX  - Followed up in regards to credit to my account, they informed me it would take 10 business days despite being told to call next business day on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To cfpb, Help me, please. 
I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company.

I practiced my rights and complained to cfpb about the Trans Union company because the company has damaged my credit score and report.

I think Trans Union is retaliating and lowering my credit score furthermore for no reason.

Attached is the most recent letter from one of my creditors-XXXX  XXXX informing me that they had lower my credit limit because of the false and wrong information they received from Trans Union . 

Please see the attached letter from XXXX XXXX  and why they had to lower my credit limit.

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 2021-08-26 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: VA

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Per tracking, Its been 2-3 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 FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I cancelled my XXXX XXXX ( now owned by XXXX XXXX XXXX ) subscription in 2017 and they continue to add new collections. 

First, it was a collection of {$470.00} from original creditor - XXXX. An original letter stated that I did not return the equipment - which is untrue. All equipment was returned as suggested by their company - through XXXX air. 

Secondly, another collection account for {$280.00} from original creditor - XXXX.. I do not know what this charge is for. 

Thirdly, another collection from XXXX XXXX XXXX for {$110.00}! What is this charge for? 

Why are companies allowed to add whatever they want to our credit reports at will? This is clearly defrauding the public!

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 2021-08-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an alert from Experian that my credit score dropper over 150 points. They have a XXXX account, which is not mine, listed as owing {$3700.00} which has been taken into collections. I have disputed this information twice now, as the account is not mine. But the information is still attached to my credit report I have also called XXXX, but was told there is nothing they can do, because the account is not mine. My XXXX account number is XXXX. The XXXX account number on my Experian credit report is 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 2021-08-26 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: PA

Complaint narrative:
I have an issue with the Audi Financial Services. At the end of my lease program, I decided to buy out my vehicle. Maturity date for my lease was XX/XX/XXXX. I overnighted them a certified check in the full residual amount of {$32000.00}. They have received my check on XX/XX/XXXX. Since then, they keep sending me letters that I have never paid off or returned my vehicle and that I will be billed accordingly. I called them on XX/XX/XXXX, spoke with XXXX extension XXXX and was assured they have received my check and it will be applied to my account and I should receive my title shortly. Today, XX/XX/XXXX, I have received another letter in the mail stating that I havent purchased or returned my vehicle yet. I looked up my account online and there is a total due {$620.00}. I keep calling them, they tell me everything will be applied and processed but nothing is being done. They will ruin my credit score. The phone number I am calling them is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has lowered my credit limit for some untrue information they claim they received about my credit history. 
I am attaching a document from the Mortgage company that Synchrony bank claimed I have a Delinquent and Derogatory account with.

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 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I have never done business with Southwest Credit Systems. They have sent me bills in the mail requesting payment and threatening me if I do not pay them. They have violated multiple FDCPA laws. 

I am demanding they stop harassing me. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692d. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692c. ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 3 ) CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged dept, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out balance on the account. 
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. 
Deletion from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
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 COMENITYCB/MYPLACERWDS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: CA

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 2021-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: KEYCORP
State: CA

Complaint narrative:
On XX/XX/2021, I had two money orders made for payment on a security deposit and 1st month 's rent. Two checks were produced for {$1400.00} and {$2100.00} from Key Bank at their XXXX XXXX XXXX branch. These were mailed using USPS. 

On XX/XX/2021, the property manager for my apartment complex informed me that they never received the checks. I have made significant efforts to stop payment on the checks and have the money returned. I have since made new checks made to my property manager using a new bank. However, I have been unable to rectify my issue with Key Bank. The crux of the issue is that the national customer service has no authority and the local branch has not answered their phone. I have called and left messages ~5-10 times per day from XX/XX/XXXX through XX/XX/XXXX. I have spoken with the specific department as XXXX ( the money order processor for Key Bank ) and they indicated that I must have the local branch initiate the process. I am concerned that the local branch is being negligent of their responsibilities and is effectively stealing this money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
The XXXX and XXXX Credit Bureau is reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been a victim of identity theft and fraud! I have contacted XXXX 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : CBNA XX/XX/2020 CBNA XX/XX/2020 XX/XX/2020

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 2021-08-26 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: NJ

Complaint narrative:
I have been a victim of identity theft and fraud! I have contacted equifax 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.

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 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
try to prescribe to XXXX and then felt not right. I found a customer service number to call on XXXX to get my refund. then talked to someone with an XXXX accent and said that he needed me to download an app called viewer or the view so he said that I could directly see the refund in my account and had me log on to the account. He then had me enter the amount to be refunded. In that he said there was an error and showed that I had an extra XXXX dollars. so he said he was going to loose his job if the money was not refunded. He asked me to buy target cards to refund the other XXXX dollars. I was thinking that I was paying back this extra XXXX dollars but i was paying my own money and did not realize it until the next day. The number I called was XXXX and then someone called me from XXXX to even try to get more money.I contacted my bank and also made a police report. the report number is 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 2021-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Loan me has not addressed the issue still. Stop sending vague responses. I attached PROOF OF EVERY SINGLE EMAIL I SENT TO LOAN ME. LOAN ME DID NOT RESPOND TO MY EMAILS AT ALL!!!!!! THIS IS THE ISSUE AT HAND HERE. THEY RESPOND AND IGNORE THAT ISSUE. THERE LACK OF RESPONDING IN WRITING TO EVERY EMAIL AND QUESTION I HAD AND DISPUTE I HAD PROVES THEIR WRONG DOING. EVERYTHING WOULD HAVE BEEN IF THEY RESPONDED IN WRITING WHICH THEY REFUSED TO AND IGNORED. I AM NOW SENDING THIS WITH ALL PROOF TO THE STATE OF CA BUSINESS OF OVERSIGHT AS WELL AS THE ATTORNEY GENERAL. AND YES I REFUSED TO SPEAK OVER THE PHONE BECAUSE YOU ARE LIARS OVER THE PHONE AND HARRASSING AND RUDE. I WANTED EVERYTHING IN WRITING FROM YOU AND SENT DEMANDS TO HAVE THIS IN WRITING WHICH LOAN ME REFUSED!!!! I HAVE PAID YOU OVER XXXX AND LIKE YOU SAID THE LOAN WAS XXXX YET YOU CLAIM I STILL OWE YOU XXXX UNBELIEVABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: WV

Complaint narrative:
I submitted enough information for you to determine and agree that these accounts have fraudulent charges from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence these accounts need to be removed immediately ( XXXX XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX- XXXX ) fraudulent charges made on account. ( XXXX ) ( XXXX XXXX XXXX ) XXXX This is my second request please remove the above accounts and send me a new credit report showing these corrections. 


Experian also has received my FTC identity theft 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