vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for, and was approved for, the Barclays XXXX XXXX business card on XX/XX/22. The promotional offer for the card was advertised as : spend {$2000.00} in purchases in the first 90 days after approval, and then receive XXXX XXXX XXXX miles and a {$99.00} statement credit. The card has a {$99.00} annual fee, which is not waived, but it is effectively cancelled out by the statement credit ( assuming that it posts correctly ). 

I met the minimum spend requirement with a single transaction on XX/XX/22, and was given the XXXX XXXX XXXX miles, as shown on my XX/XX/22 statement from Barclays. That statement did not include the {$99.00} statement credit. 

On XX/XX/22, I initiated secure message correspondence to ask about when I would receive the promised {$99.00} statement credit. After some back-and-forth, I was told " [ o ] nce qualified, bonus offers will typically take 4-6 weeks for completion. '' On XX/XX/22, I decided to try my luck again and send another secure message asking about the {$99.00} statement credit. I was told " Upon reviewing your account the {$99.00} statement credit should be deposited into your account [ in ] 1-2 weeks. '' On XX/XX/22, with no statement credit in sight, I started another round of secure message correspondence. I was told " Upon review of your account, we show that you have met the requirements to earn the {$99.00} statement credit. Regrettably, we have identified an issue that prevented the statement credit from posting to your XXXX XXXX XXXX XXXX XXXX XXXX and are correct [ ing ] it as quickly as possible. We apologize for any convenience this may cause. '' I inquired about a specific timeline for resolution but was not given a clear answer.

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 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was purchasing a product from someone and they scammed/ frauded me out of {$2500.00} I messaged them many time to get my money back and I had no luck. 

I called my bank to get the money back they said they could not get it back. 

The transaction happened on XX/XX/2022 The persons name was XXXX XXXX and I used XXXX with Schoolsfirst.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
Accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
A check was mobile deposited into my account on XX/XX/2022, not sure of the exact date. I went to access my account on XX/XX/2022, and my account was locked. I called the bank to see why and they said I deposited a bad check. I told the representative I haven't made a mobile deposit. I have never made a mobile deposit as long as I had this account. My work deposits are still frozen and no one has given me any answers except they are investigating. Meanwhile, I have bills, children, grandchildren, and family. My rent is due on the 1st of the month considered late on the XXXX. Today is XX/XX/2022. The local branch has been giving me a hard time with no answers. This is a setback for me and I'm the victim. That's just like you get shot but I'm the one bleeding. This isn't fair at all. I didn't do this. I don't even know how to do a mobile deposit furthermore I don't even know what the check says. My direct deposit is not even attached to the accounts they hacked. This doesn't make sense at all. I have to suffer for someone else behavior. Just give me my money I can bank somewhere else. They said I would receive an affidavit by email haven't received anything but a frozen account, bill collectors, the runaround, and no access to my money I worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX, I did 3 transfers from my Navy Federal Credit Union XXXX XXXX XXXX XXXX for {$2.00}, {$3600.00} and {$5000.00} to later find out I was being scammed. I was under the impression I was getting a turn key XXXX. Once I found out that it was a scam I spoke with the bank and explained to the representative what was going on and to try an have my money returned back to me. I was told that I would need to get a lawyer because it was a civil matter. I spoke with several lawyers who reviewed the info I received from XXXX XXXX XXXX and said it was a scam better known as crowd funding and to speak back to my bank to try to get my money back. I spoke back with Navy Federal Credit Union explaining to the representative that my money was sent to a scammer business account there with them but was told its not anything that could be done because I sent the money peer to peer and once I hit submit the money was gone. I was told nothing could be done because it was just like when you send money on cash app or XXXX. I explained to rep I know something could be done because I have sent money to wrong account on XXXX XXXX and was able to dispute it to get my money back. However, my bank is helping XXXX XXXX XXXX steal money from me and numerous of other people. I just want my money back i paid to XXXX XXXX XXXX for a fake XXXX. All, I got was signed contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with XXXX Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). 

I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX 1-202f. 

Your prompt attention and response are both, requested and required. 

Account # : XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have repeatedly reported inaccurate, fraudulent, and unknown information that appears on my TransUnion, XXXX, and XXXX credit reports from a company called XXXX XXXX and from another company called XXXX. The most recent letters in XXXX, XXXX, XXXX, XXXX, and XXXX of this year. 

XXXX XXXX is reported as a charge off, then a collection, then closed, then it is reported the same way over and over again each month adding hundreds of dollars to the balance each time it is negatively reported and causing my credit profile and my credit score to drop in excess of XXXX to XXXX points at a time. 

Before the credit reporting agencies and the two companies listed above began incorrectly and illegally reporting derogatory accounts to my credit profile, my credit score was between XXXX and XXXX and now my score is currently between XXXX and XXXX. 

The irreparable harm TransUnion, XXXX, XXXX, XXXX XXXX, and XXXX has cause me goes beyond irresponsible and life shattering!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: WI

Complaint narrative:
Would you mind investigate this personal information for me - Seems little awkward with certain information? I was going through my personal information on my credit, and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? 

I mean, is there a reason why my personal information on my credit report contains errors? 

Basically, I am looking at my credit report, I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AA Recovery Solutions, Inc.
State: CA

Complaint narrative:
This company keeps calling me when I told them they have the wrong number. They keep saying that they are looking for someone named XXXX. I explain to them that I just got this phone number, so the person on the started telling me my address and name, which is a privacy act violation.I called back multiple times, and the lady said I am acting crazy this is not right I have XXXX 
I do not appreciate someone calling me and making threats when I am not the person the company is looking for.I never authorize this company to release any information.I could have been someone else on the line. 
I am asking for a XXXX settlement for the privacy act violation and them leaving me a voicemail telling me you have been warned. 
I am planning to file civil lawsuit for XXXX discrimination calling me crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: NJ

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : The XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, 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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
XXXX stated that I owed them {$340.00} I never had progressive insurance. This was an account opened in reference to the identity theft report I created with the Bureau. 


Based on 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have reached to XXXX on numerous occasions via certified mail, XXXX and phone to notify that the name, address and number variations on my profile are inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My compaint is against Equifax, XXXX, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, Equifax, XXXX, and XXXX are reporting conflicting info on the alleged loan balance. 

Equifax and XXXX are reporting an open negative tradeline from XXXX XXXX XXXX with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If Equifax, XXXX, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Respected Sir / Madam, I am XXXX I already file the complaint my ID is ( XXXX ) I filed the complaint on Chase Bank and after that they called me, and they said sorry and apologized. We don't need apologize from chase bank. We need our money back, please help me get back our money from chase bank.

Company response to consumer: Closed with explanation