vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Enterprises, LLC
State: NM

Complaint narrative:
The initial notice from Revenue Enterprises ( RE ) was received XX/XX/21. I sent my notice via certified mail disputing the debt 's validity and requesting Validation and Verification on XX/XX/21 ; it was received by RE on on XX/XX/21. 

RE ignored this notice, failed to validate and verify the debt, and mailed a 2nd notice ( received XX/XX/21 ) claiming the the debt to be collectable and threatening interest. I mailed my response via certified mail on XX/XX/21 refuting RE 's claims and notifying them of the Fair Debt Collection Practices Act violation. 

At this time, RE has made no attempt to validate the debt or met my requests that were made in accordance with the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: FL

Complaint narrative:
I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We have been a victim of Bait And Switch! We relied on the information shared and promised to us when considering this Sam 's Club Member Master Card. We were provided WRONG and MISLEADING information from the bank rep and representatives that were there on site for their " holiday contest '' for credit card submissions. 

We have tried to contact the store and the person ( XXXX ) who coaxed us into this but no one has returned our calls. 

We feel like we were completely misled and flat out " duped ''. 

We were promised an immediate {$100.00} bill credit upon approval of the card. In fact, there stated it would be placed on the account before the first statement once the card was approved. In fact, they were encouraging us and other customers to go spend more since the credit was automatic. 

This was clearly WRONG information as our first statement came and the credit was not there. We trusted and relied on the information that was shared with us. 

We have tried to work with Sam 's Club as well as Synchrony. Sam 's Club has yet to return a call and Synchrony just confirmed the information was not correct and apologized. They did not take any consideration for the " bait and switch '' techniques that were being utilized to get applicants. 

At this point in time, we are asking for assistance to address this inappropriate measure to lure applicants, their failure to provide any documentation and/or disclosures in writing as well as the promise of what we were told. 

We are asking for the {$10000.00} immediate statement credit as promised. Again, we were told to spend " more than {$100.00} that day and we would see an immediate statement credit of {$100.00}. 

Also, seeking assistance to further investigate these inappropriate practices as I am sure other customers have experienced the same thing. 

Contests and incentives should not be used to build credit card accounts especially when misleading and inaccurate information is being given to the consumers.

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 2021-12-24 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:
My attempted description in the " generous '' ( being sarcastic ) 120 character field of Experian 's Dispute form - This is for XXXX XXXX. XXXX XXXX Loan XXXX 2019 " Only XXXX XXXX XXXXDisputes XXXX & THAT persn has maintained a personal ( illegal ) vendetta re : this acct. 's MISREPORTING, MISSING PAYMENTS, etc. Other acct. w/out this persn 's attn. are PERFECT. Thanks '' Despite asking for correction i have been told by the same person that their " Ledger is correct '' and it is not. I was homeless during a large period of this loan and do not have most of my papers like this and/or physical evidence anymore. SO i am at the ( lack of ) mercy of this individual who has taken on some kind of personal issue with me. She even LIED and suggested i needed to pay off a XXXX dollars ( " debt '' for overdraft fees that i was already arguing abt with them ) to apply for another product and to further dispute the other loan ledger - and that i could " dispute the overdrafts later and get them refunded ''. This was simply a fabrication for collection. Often referred to in legal terms as " fraud in the inducements ''.

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 2021-12-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was falsely mislead by CAPITAL ONE BANK d/b/a CAPITAL ONE. On XX/XX/2021, I filled out an application for a Platinum Secured Card from CAPITAL ONE. Once I filled out this application, it was approved and the application then became an instrument of value and was sold. Due to this fact, I should be able to have a zeroed out balance at the end of every billing cycle and should have an open-end credit plan pursuant to 15 USC 1602 . I was informed by CAPITAL ONE that I would need to make a security deposit in order to receive the card ( as advertised on their website ), so I made a deposit in the amount of {$200.00} on XX/XX/2021. I apologize about being ignorant of the law, but that is no longer the case. It is unlawful for CAPITAL ONE to have taken the {$200.00} in order to give me a credit card ; taking cash within a consumer credit transaction is illegal ( 15 USC 1605 ). Once I put in my application and it was approved, I extended my credit to CAPITAL ONE and should have received an open-end credit plan without having to make a security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: FL

Complaint narrative:
I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 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: FL

Complaint narrative:
I got my credit report and I dont understand why I still see these accounts on my name. I already explain to you that is not mine, none of them. Please delete it! Im sure that someone used my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2021-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am attempting to remove private mortgage insurance from my mortgage, but the PMI group is not cooperating with my request. 

I sent the following letter via USPS on XX/XX/2021 to PMI to remove private mortgage insurance : -- Mortgage Insurance Department XXXX XXXX XXXX XXXX, NJ XXXX I am writing this letter to request removal of PMI ( Private Mortgage Insurance ) for the property XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ( the property ). The loan servicer is CMG Financial with a loan number XXXX. 

The property was remodelled completely on the inside since it was purchased, and I have calculated based on the current market conditions and improvements to the property that its current market value meets the 80 % LTV requirement to remove PMI. 

My payment history is in good standing, there are no junior liens, and I believe an appraisal would confirm my calculations to be accurate. 

You will find attached the last monthly statement of my mortgage for reference. 

Please kindly confirm receipt of this letter and next steps. Thank you. 
-- I received an email reply on XX/XX/2021 from XXXX confirming receipt of my letter above. They requested documentation to substantiate my claim. I submitted an email reply ( which they instructed was okay ) on XX/XX/2021 with attached documentation. They sent me an automated reply that they would reply within 30 days. It is now XX/XX/2021, nearly 2 months later and I have yet to hear back from them. I additionally sent a followup email on this day too, and I have not heard any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TX

Complaint narrative:
I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards Experian that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that Experian was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

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 2021-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have a Coinbase account. The password reset function on their website and app did not work ( the link via email would send me to Coinbase 's main webpage ). It appears that this has been a problem for other customers for days based on some online searches. Customer service could not provide information and would engage in shady practices ( placing me on hold on multiple occasions for long periods of time, refusing to stay on the line and answer further questions or assist, etc. ). As a result I have no access to my account and no information or method in order to regain access. While the website says that you can speak to customer service to speak with a security expert for password resets, that option was completely unavailable. I have never had a worse customer service experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST
State: CA

Complaint narrative:
XX/XX/XXXX - deposited XXXX dollar check XX/XX/XXXX - checked online and it cleared. Brought XXXX dollar balance to an available XXXX dollar balance. (, some credit was issued to me on top of the funds from deposited check. 


That evening thee balance went from XXXX available to XXXX available dollars. Then later returned to XXXX dollar balance prior to the check being deposited via mobile deposit. 

XX/XX/XXXX - A letter from Research and adjustments department was sent out informing me of a debit /credit to my account in the amount of the check due to a Mmobile deposit error and since it was presented to me as a available balance for a bbusiness day it instructed me to take my original document to the local branch and my account would bee adjusted. Thee letter apologizes for the confusion and provided a reference number which I used after the distraught banker rebuked my presentation and removed all trace of the transactional credit told me that I endorsed the check incorrectly and to send for another one to endorse properly. So 14 days later I received my next check, endorsed it like so and the check was XXXX dollars. A balance of XXXX dollars became available after depositing the check with proper endorsement and XXXX dollars nbecame available which I paid to my automobile insurance directly after. A month later I go to look for my proof of insurance and the task wasn't possible whereas the bank had stopped the check, lied about requirements for accounts and check management, and reversed the payment without my knowedge and removing from My astatement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: TX

Complaint narrative:
I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

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 2021-12-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquires, Collection accounts, and closed accounts, wrong names, unknown address that was listed towards XXXX that I disputed that needs to be removed, and It was not investigated within the " 30 days '' that XXXX was supposed to exploit. Their are inaccuracies listed on my credit report that has caused great trouble on my report, and I would need them removed immediately! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Under federal law any Credit bureau has 30 days to complete an investigation. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
MY ACCOUNT WERE CLOSED WITH NO EXPLINATION. 

I HAVE THAT Bank of America ACCOUNT FOR MORE THAN 14 YEARS. I CALLED AND THEY DONT WANT TO TELL ME WHY!

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 2021-12-24 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: FL

Complaint narrative:
I have no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am XXXX XXXX, natural person/Consumer in fact and I have been denied a line of credit for a automobile loan with Chase bank XXXX I applied along with my spouse XXXX XXXX to upgrade our current vehicle to a larger vehicle. the denied of credit is considered an " adverse action '' pursuant to 15 USC 1681a ( k ) ( 1 ) which is a violation of my federally protected consumer rights. The term credit means " the RIGHT granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment '' pursuant to 15 USC 1602f. Chase has denied me my RIGHT and also made an inquiry on my consumer report that lowered my overal credit rating without providing an actual line of credit I have a right to, thus creating an adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24 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: FL

Complaint narrative:
Credit report is showing account # XXXX I have a {$400.00} credit limit account is open but credit agency showing closed this is affecting my score I simply want to make sure its reported accurately.

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 2021-12-24 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: TX

Complaint narrative:
Experian has been reporting on my credit profile to collect a debt that is not my debt XXXX XXXX XXXX and XXXX XXXX have sent several dispute action to Experian regarding the debt that appears on my credit report. I have also reached out to XXXX XXXX XXXX back and XXXX XXXX, XXXX XXXX and XXXX again in XXXX and XXXX it still appear that it is showing a closed account but it not been removed as a fraudulent activity on my credit report. On the Experian website it appears that it is still showing on my credit report, I am reporting the inaccurate fraudulent activity these account does not belong to me that is reporting on 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 explanation
Consumer complaint received 2021-12-24 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: FL

Complaint narrative:
I have no idea why you keep posting these negative accounts on my credit report, I already send few complaint to your company. I think that someone have my personal information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief