vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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: TX

Complaint narrative:
On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 120 days later I have not received a response yet I feel like I'm being taken advantage of and being ignored of my disputes. The Law plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by XXXX  as well as the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: OH

Complaint narrative:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: OH

Complaint narrative:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
I asked MediCredit, Inc. to send me prove of the debt and asked them to stop calling me. The representative XXXX acted like she didn't hear me and talked over me. I haven't received anything about this so I do not know anything about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Credit Corporation
State: IL

Complaint narrative:
There is a problem with this personal installment loan account. I have been disputing this for well over a year and half. I was able to send over the paperwork request by the company in XXXX of 2020. I followed up recently. I called twice last week & once this week. I have been promised to get a follow-up call. I have never received one. I would like my files to be updated and acknowledged. It should not take this long for a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I have tried to get this account taken care of. The company hasn't responded to any of my requests. This vehicle supposably sold in an auction. The balance is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A {$95.00} annual fee was paid for XXXX card ending in XXXX. This card was closed XX/XX/XXXX, I am owed a refund of the annual fee - no credit has posted to my account.

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 2021-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: TX

Complaint narrative:
I applied to SoFi to refinance a private student loan in the amount of {$29000.00} on XX/XX/21, because they were offering great interest rates, following a short inquiry. Upon seeing my rates/terms, I proceeded with the application, which requires a hard credit pull. Assuming at this point it's a formality, since I was already offered terms based on a the quick inquiry. Upon submitting my application, it was under review for several days. On XX/XX/21, I received notice that my loan application was denied for the following reason : Does not offer credit on the terms requested. 
Not fully understanding what that means, I called and spoke with their customer service representative, who didn't seem to understand the issues and started by giving me multiple excuses that didn't make sense. After putting me on hold for a while, they returned to tell me that they won't offer terms on loans if the school I attended wasn't a XXXX XXXXXXXX school. This is incredibly misleading because at no point does this application process turn you away, or warn you that if your school isn't listed, or if it's not a XXXX XXXXXXXX school, they won't offer terms for refinancing. They even provide an option to select " other '' if your school isn't listed, and give you the opportunity to provide your school. Had I known this piece of information prior to submitting the application, I would've opted out of submitting to avoid a hard pull on my credit. Their entire process is misleading, by making it seem like they have terms that you're pre-approved for, and then turn around and deny the loan for the original loan not being tied to a XXXX XXXX school. Now I have a hard pull on my credit report, which I am stuck with for two years because of SoFi 's misleading process. This is without a doubt the most unprofessional business I have ever encountered regarding financing, and they need to fix their application process rather than duping people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: UT

Complaint narrative:
In XXXX, I applied for and received the XXXX credit card after viewing a website advertisement claiming you can get 3 % on your top spend category, 2 % on your second, and 1 % on everything else. I thought WOW, that is nice. What's the catch? I clicked on " learn more '' and found that it seems legit. However, I later found it is misleading and deceptive as you can not earn 3 % on your top spend category if it is " other '' category. This is not made clear to someone who is interested even when they click on the " learn more '' link. " Other '' is clearly listed as a category you can earn rewards on without further disclosure that you can only earn 1 %, and that it is treated differently than every other category listed. 

After I found in the XXXX app that I would not earn 3 % on the " other '' category I went back to the website to do the research. I found that once you click on " learn more '' you are taken to the following link XXXX XXXX XXXX XXXX On that page it shows " other '' as a category you can earn rewards on. Right below, there is a heading saying " Rake in the rewards ''. Underneath the heading it states, " The XXXX Credit Card gives you custom cash back* rewards maximized to what you spend the most on. Well track your spend categories as they change, so you can just sit back and cash in. '' I scrolled to the bottom of the page to read the asterisk, which states, " * Use of cash back is subject to the terms of the XXXX account. Review the XXXX Credit Card Rewards Program Terms for more information. '' I then clicked on the link to the " rewards program terms '' taking me to this page : hXXXX XXXX XXXX This link has no information at all on the 3 %, 2 %, or 1 % rewards and how they work. It only describes how the credit card works and things like interest. 

To me, and probably a lot of other customers, this appears that XXXX is trying to hide the facts.

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 2021-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
Debt Recovery Solutions is attempting to collect on a alleged debt for their client : XXXX XXXX XXXX in the amount of : {$1000.00}. I have no knowledge of this account. 

Derogatory and invalid information was placed on my credit report without due process to include : notification of this debt in writing, and allowing my right to dispute this matter pursuant to the FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My problem is with transunion there is a child support debt on my public file for {$27000.00} and on my my public file that say legal I sent documentation to child support disputing that its a legal debt I submitted the documentation. I sent the documents on XX/XX/2021 it got to trans union XX/XX/2021. It seems like child support and transunion are in some type of collusion because after I sent them the supporting documents. Child support takes off the tittle and of it being a legal document and sent it to another part of my credit report under the deogratory part and it was updated XX/XX/2021. So in so many words transunion let them take off the the tittle who the debt belong to, who it belongs to I'll provide evidence so u can have a clear picture, its seems transunion allows people to report debts even if it belongs to them or not. In my case it looks like transunion does favors illegal favors to oppress people.

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 2021-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: LA

Complaint narrative:
General Revenue Corporation XXXX left a message on our home phone voicemail stating that they are a collection agency for student loans for our son. Leaving a different telephone number XXXX to call them back with a identification number. My son called them back and they gave him a collection amount of {$8000.00} he owed on student loans. Which this amount is incorrect. They told him that to pay off right away the amount is {$6800.00} or the other option would be a down payment of {$1000.00} with monthly payments of {$200.00} a month.They also mailed a letter with a demand of payment that was suspicious. The method of payment was for a credit card or debit card only. We did some research on the internet about this company and their webpage was very suspicious. We checked the student aid website to confirm that Subsidized and Unsubsidized Direct Loans are protected by the Cares Act. Private loans like Perkins Loans and FFEL-Federal Family Education Loan are not protected by the Cares Act. Login into your federal student loan account and check the status first. Then he contacted federal student aid XXXX to check on his account to make sure that the same loan servicer that manages his account was still in effect. After that he called his Loan Servicer company which confirmed also that his student loan payments is still deferred under the Cares Act. That deferred status has been extended to XX/XX/2021 by the Cares Act, and his account has never been turned over to collection. Never give these people any personal information. Always check on your own student loans accounts yourself first by logging into your account. Then call federal student aid at XXXX for additional help and questions about your loan status. Do not call these people back. If there is a problem with your loan find out from federal student aid who your loan service company is and how to contact them first. Then follow their instruction. If your loan service company changes you will be notified in writing who the new company is. The new company will contact you in writing with all the contact information and explaining that they are your new loan servicer. Check your credit report, it will contain all your student loan accounts and the name of your loan servicer, address and telephone number.This telephone call is a student loan scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I upgrade my XXXX card on XX/XX/XXXX with a no first-year annual fee offer. But AMEX said this is an error and does not want to honor the offer without any compensation and reasonable explaination. This problem happened to a lot of people online. On the cardmember agreement annual fee section, it is written : " None ; however, as you have been previously notified, your Annual Membership Fee will be {$450.00} as of XX/XX/XXXX. '' But I do not receive any notification when I upgrade the account. I think this is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29 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: AZ

Complaint narrative:
On XX/XX/2020 I opened a checking account with HSBC under the terms that I would be receiving a {$220.00} bonus for opening the account and thereafter depositing {$500.00} a month to the account through direct deposit for 3 consecutive months. After meeting the criteria and not receiving the bonus I called the customer service line. I called this line on 7 separate occasions, 6 of which I was promised by the employee that my bonus money would be deposited shortly. On the 7th call, they decide to remit that payment promise and inform me that I no longer am eligible for the bonus. They wasted hours upon hours of my life with their lies and still refuse to pay out the bonus. The incompetence of this bank is absolutely astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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 am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer XXXX Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and Transunion are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and TransUnion are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX and Transunion it those 3 account don't get remove or block.

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 2021-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft. I had request those accounts to be block under Consumer 605B Blocking. I had sent Letter of CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And Identity theft police report. Now after number of request by me XXXX  and XXXX  are the only 2 bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  and XXXX  are the only one that had violates the FCRA, I will beginning file lawsuit in state or federal court again XXXX  and XXXX  it those 3 account don't get remove or block.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I have called Dovenmuehle Servicing several times. They admit that I have paid over {$15000.00} yet they will not send me an itemized statement of where my money went and I called to set up 2 PRINCIPLE ONLY payments and the applied it toward front loaded interest and sent me a bill with a late fee. 

I am filing a complaint with the Consumer Financial Protection Bureau now. This is so wrong!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Filled with Coinbase : Case XXXX XX/XX/XXXX restricted from Buy/Sell and Send/Receive Case XXXX buy/trades restricted XX/XX/XXXX Case XXXX ( XX/XX/XXXX XXXX uploaded ID and picture with ( For Coinbase Trading XX/XX/XXXX ) for verification ID was approved, but am still restricted ( XX/XX/XXXX XXXX Case XXXX contact us from XXXX, and we can submit your account for a review at that time. I did contact for a review. 
Case XXXX followed your instructions for 2 step auth it does enable ( XX/XX/XXXX XXXX but still restricted from Buy/Sell and Send/Receive Received email XX/XX/XXXX that XXXX was passing information to an account specialist my take 4-5 business days XX/XX/XXXX sent email to XXXX and XXXX that it had been 5 days now and I did not get a response. I did not receive a response XX/XX/XXXX sent another email and placed another complaint on Coinbase through contact help coinbase.com that it has now been 17 days and nothing has been resolved This is all unacceptable! I want access to my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The app is declining what I sent to my family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of wrong individuals.

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 2021-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I had a phone bill with XXXX {$400.00} which was created by error because XXXX refunded my payments in XX/XX/XXXX. Upon realizing the mistake, XXXX reached out to me through a collections company called Amsher Collections. The account was opened with Amsher as record # XXXX Opened XX/XX/XXXX, reported to credit agencies XX/XX/XXXX. Soon after I was informed about the bill, i immediately paid it off. Amsher collections agreed to delete this from my credit through the credit agencies. Today, account is still showing on my credit report and Amsher is now refusing to owner their commitment. They are sying, they never said that they will delete from my record. I am reaching out to you to help me get this deleted from my credit record because Amsher Collection agreed to do so and I honored my part and paid them immediately. Please assist so Amsher can get this record deleted from my credit report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation