vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
I took out an installment loan with Upgrade with a principal sum of XXXX. Out of the XXXX they took a XXXX fee and stated that it was considered prepaid interest. And stated that I would only be financing and paying interest on XXXX. I received my final TIL statement showing the amount financed was XXXX and all seemed to be in order. But now when I log on to my account they are stating that I have a principal balance of XXXX to pay back still. Which is not in line with the TIL and other loan documents that I signed as well as the explanation they gave me of what I would be paying interest on. I called Upgrade and questioned this but did not receive an satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, 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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I move out of the XXXX apartment XX/XX/2020. I did a final walk through with a member of the management at the time XXXX. I was told the apartment was in good shape and there was no concerns. Now theres a collection on my credit claiming I owe them {$700.00} for damages. I looked at the recent reviews on the property and multiple other people are having the same issue XXXX is claiming damages to the units after confirming with the tenants there was no concerns. I need these fraudulent charges investigated and I want to hold them to the full extent of the law. False information like this caused my credit to drop XXXX points damage that will take years to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Dear XXXX, I opened HSBC Premier Checking Account under a {$450.00} Welcome Deposit Bonus offer on XX/XX/2021. 

In order to receive the Welcome Bonus, HSBCs offer required me to make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to my HSBC Premier checking account for 3 consecutive calendar months from the second full calendar month after account opening. At the time of application, I saved a printed PDF of HSBCs offer that mentions date of application : XX/XX/2021, and lists HSBCs website/URL listed at the bottom of the PDF where I submitted this application. Please see HSBC Checking Account Welcome Deposit Offer - XXXX PDF attached with this complaint. 

I have already met the Direct Deposits totaling at least {$5000.00} from a third party to HSBC Premier checking account for 3 consecutive calendar months requirements by XX/XX/2021, and therefore, I qualify for the Welcome Bonus as promised by HSBC as of XX/XX/2021. Please refer to HSBC Account summary and transactions- XXXX PDF as evidence. However, HSBC has been constantly denying my welcome bonus by alleging that the account was not opened using the correct promotion code, even though their own websites HSBC Checking Account Welcome Deposit Offer - XXXX PDF clearly instructs the applicants to submit an online application using Apply Now button shown on the PDF which I used to open my account. 

Over the past 3 months ( from XX/XX/2021 till the end of XX/XX/2021 ), I have made repeated attempts to resolve this issue by contacting HSBCs customer support at XXXX, but HSBC has been denying the bonus even after following up with Customer Support for mor than 10 times over the last 3 months ; and even after HSBCs customer support representatives themselves confirmed that I have met all the requirements of their bonus 3 months back. Their representatives keep telling me that they have followed up with the concerned Marketing department and that they will follow up with me in 3-5 business days, but I have never heard back from HSBC in the stated time frames or have been given any concrete response to my requests. 

I would be highly obliged if you can please push this matter through with HSBC and please have them issue a {$450.00} bonus to me as promised in their offer shown in the printed PDF HSBC Checking Account Welcome Deposit Offer - XXXX under which I opened my account using their online application system. 

Many Thanks for your kind attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
I make all my payments online through my bank account. All of my credit cards are set up this way. I received my Fortuva credit card in XXXX. I made my first payment on XX/XX/2021. The payment showed processes and then reversed the same day. I called my bank first to see if there was a problem on the bank end. The representative I spoke to said that the charge never came through. I went on to my Fortiva account to make sure I did not make a error when entering my bank account information. All information was correct. I called Fortiva and they said they are unable to tell me why it was reversed., bit I was then charged a {$40.00} late fee. I made my next payment in the same fashion. I assured all information was correct. I submitted the payment to be paid on XX/XX/2021. The payment was processed and then reversed. I went through the same process as before. I called my bank and they let me know that the payment never came through the bank. The representing told me that it would show if they kicked back the payment or denied payment. I called Fortiva again and was told that they could not tell me why it was reversed, but again charged me a {$40.00} late fee. The representative said that I could make the payment over the phone and they would waive the fee for paying through the customer service. I have verified and reversed all my banking information and it was all correct in their system. The payment I made over the phone processed right away through my bank. I asked for them to reverse the late fees since there is something wrong on their end and I was told they are unable to do that. I believe they reverse payments on purpose to collect the late fees. Like I said all my other cards are set up the same way and I have never had a problem with my payments. I have closed my account with Fortiva credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31 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: LA

Complaint narrative:
During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another XXXX reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages

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 2021-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Medical Data Systems XXXX inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Medical Data Systems , Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.

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 2021-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/XXXX to purchase a car. In XX/XX/XXXX Hyundai Motor Finance illegally repossessed my car. On XX/XX/XXXX I requested a copy of the contract. To my dismay the contract now has a FORGED signature on the contract that WAS NOT on the contract when I left the dealership XX/XX/XXXX. I am giving XXXX XXXX XXXX and or Hyundai Motor Finance the opportunity to resolve this fraudulent matter. If not settled to my satisfaction I will be pursuing in Federal Court as FORGERY is a FEDERAL violation.

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 2021-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I was going to switch cell phone companies and wifi to XXXX. Signed up over the phone, they sent me new equipment but the phone numbers had to be ported. I made 3 trips to their store, went to XXXX XXXX XXXX and paid off my phone. Kept trying to get # s ported but ran into so many roadblocks and poor customer service- then was told by some smart XXXX  kid I didn't have to go through with it because I hadn't even ported the # s yet- I said, " you're right, I'm staying with XXXX XXXX XXXX XXXX XXXX I returned equipment directly to the store, unopened, directly to store manager, XXXX XXXX. This was another 2 hr ordeal that even HE could not get resolved. He wS put on hold and was transferred to 8 different people. He promised me he would work to resolve it when store was not busy. Went back up to the store to show him a bill I got for {$280.00}. He tried to remove that- unable to, then told me his computer said I owed {$680.00} AND I would be sent to collections! For WHAT? Today I received a letter that I have been referred to Convergent Outsourcing for collections {$680.00}. This is after XXXX XXXX, manager, worked on my problem and sent me a screen shot that showed I owed {$0.00}. I also received an email that the equipment was received. I am beyond livid. I am a XXXX I work very hard for Mt $ $ and I'll be XXXX if XXXX is going to EXTORT {$680.00} from me. This started on XX/XX/2021.

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 2021-12-31 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: MI

Complaint narrative:
Hello To Whom It May Concern, I must admit its very frustrating to have to have large companies just refuse to fix the problem in a such a high handed way. As XXXX, And EXPERIAN are refusing to remove the following public record from my credit report. 
XXXX XXXX Bankruptcy XXXX XXXX : XXXX Ive been disputing this matter since XX/XX/2021. From XXXX 2021 the companies XXXX, and EXPERIAN has claimed the public record, XXXX  XXXX bankruptcy was verified by a company named XXXX. they mentioned I needed to conduct my own investigation., After doing my own investigation from XXXX 2021, XXXX agreed the XXXX XXXX Bankruptcy was not verified and, According to the FCRA law, the Bankruptcy was not verified in a timely matter, and was no longer accurate. It needed to be deleted immediately by all CREDITORS REPORTING THE INACCURATE ACCOUNT. I have provided the companies XXXX, and EXPERIAN over and over with DOCUMENTATION stating the XXXX XXXX bankruptcy is not verified by XXXX, and needs to be deleted, Nor does the Bankruptcy Court report to Credit Bureaus. 

XXXX and EXPERIAN are disregarding my documents from XXXX, and the bankruptcy court. As they are choosing to still report the inaccurate XXXX  XXXX Bankruptcy. Although XXXX has DELETED the inaccurate information. XXXX and Experian are causing deformation of my character as Im unable to get approved for new lines of credit and if approved for credit theres a high interest rate to pay. Ive filed complaint after complaint Im not sure what else to do. Ive been denied employment due to XXXX and EXPERIAN continuing to report a inaccurate XXXX  XXXX Bankruptcy on my credit report. The companies XXXX and EXPERIAN needs to stop giving me and XXXX a hard time disputing the bankruptcy.

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 2021-12-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Below its a copy of the Offer rejected notice given to " XXXX XXXX XXXXXXXX ''. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Rejection of credit was based on credit score that has nothing to do with the type of credit transaction or contract agreed upon both partied where a third part, such as the use of Experian was used upon discrimination and conspiracy against the beneficiary also known as the consumer. XXXX on behalf of XXXX XXXX XXXX XXXX has committed several violations as explained below. 

OFFER REJECTED NOTICE ATTN : XXXX, XXXX XXXX XXXX, UT c/o XXXX XXXX XXXX  XXXX XXXX 
Application means : A request, petition or motion in blacks law 11th edition. 
Means the act of asking for something, usually in writing, or a document in which someone asks for something, in barrons dictionary of banking This correspondence is in regard to the application submitted on XX/XX/2021. Which an adverse action letter was received on XX/XX/2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 17 C.F.R 240.106-5 ( 15 U.S.C. 78j ), 38 C.F.R 21.5828 ( 15 U.S.C 78ff ) ,13 C.F.R 113.3 ( 15 U.S.C 1691 ( a ) ( 3 ) ), 18 U.S.C. 241, 18 U.S.C. 242. 
Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). 
Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. 
You meaning XXXX, XXXX XXXX XXXX, UT c/o XXXXXXXX XXXX  XXXX XXXX XXXX 
and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. 
Legal proceedings may be enacted if dishonored. 
Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation : 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 2021-12-31 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: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, My name is XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from my Graduate School, XXXX University, indicating that I was identified as an individual that was involved in a data breach of my personal information ( including- my name, address, date of birth, and social security number ). The school determined that in XX/XX/XXXX my information was exposed to hackers. I have reviewed my credit report and I have identified inquires that I have not committed myself. Below is the breakdown by the credit bureau of what does not belong to me and should be removed from my credit report. They are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX Please feel free to reach out to me directly for any additional questions you may have. 

Thank you, XXXX

Company response to consumer: Closed with explanation