vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-06 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: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a promotional email from Discover Card with the subject " Join XXXXXXXX XXXX XXXX this holiday, Get {$45.00} back ''. I read through the email and clicked on the link to activate the promotion. I purchased my XXXXXXXX XXXX XXXXXXXX membership, using my Discover card and following all instructions in the email and in the terms and conditions, on XX/XX/XXXX. The terms and conditions stated that " Offer fulfilled as a statement credit within three billing cycles after the end of the promotion. '' After waiting three billing cycles as mentioned in the terms, I contacted Discover Customer Support on XX/XX/XXXX to inquire about where my statement credit is. The representative I spoke to informed me that I should indeed have received a statement credit, and that he would escalate the issue, it would be investigated and that I would receive a call back within one week. A month later, on XX/XX/XXXX, I still had not received a call back. I contacted Customer Support again to follow up and was informed that, " the promotion is handled by corporate, and that there was nothing they could do to help me ''. When I asked if I could get contact information for whoever was needed to resolve the issue, I was told there was no public contact information and that there was nothing further they could do. 

In summary, I activated an offer and purchased a XXXX XXXX XXXXXXXX membership within the allotted time and while following all published terms and conditions but was denied the promised statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$7100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: NC

Complaint narrative:
I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I can't login to my myequifax account, always says " We are unable to complete this request ''. I wanted to login to freeze my credit but can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I noticed there were a few inquiries on my report that I did not recognize. & had not applied for. I contacted Equifax and told them I did not apply for anything from XXXX XXXX, XXXX XXXX, XXXX  or XXXX XXXX and requested that it be deleted and they refused. I want this deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I received correspodence from Citizens/Charter bank through CFPB there are missing payments not listed on the payment history sent. There were two payments one for {$250.00} and the other for {$500.00}. those two payments are missing. Brought the balance down to {$2000.00} in XXXX. Also there was a complaint for XXXX regarding default. I paid the monthly payment after i paid the principal of {$1400.00} was defaulted. Stated that the bill was never going to go away and I quote. This also was sent to CFPB. Requested a XXXX discharge for Citizens bank. Stated in their correspodence that they were no payments. I will get a copy of a police report if necessary have to prove it's theft first

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX bought this debt from Capital One Bank USA. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the Capital One Banks phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for experian, equifax and transunion. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: GA

Complaint narrative:
I noticed there were several inquires from XXXX XXXX XXXX XXXX, and XXXX XXXX on my report that I did not recognize nor did I request anything from these companies. I contacted Transunion and told them I did not apply for anything from this Us small Bus and requested that it be deleted and they refused. I want this deleted ASAP.

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 2021-06-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I, Consumer XXXX XXXX XXXX XXXX XXXX XXXX, entered into a consumer credit transaction with Bank of America, N.A. on XX/XX/2021. I went to exercise my federally protected consumer rights and asked Bank of America to validate the debt and cease communication. None of which occurred and now they have reported negatively on my consumer report which prohibits me as the head of my house to provide for my family. They continue to violate my federally protected consumer rights as if they do not exist and even went as far as claiming that they do not fall under FDCPA ( Fair Debt Collection Practice Act ). If that was true I wouldn't have received statements via USPS that said this is an attempt to collect a debt. It is truly sad that they deceive other consumers at such a high degree in an attempt to coerce payment. I will be pursuing litigation for violating my consumer right to privacy and embarrassing me on my consumer report, my reputation, by reporting to the consumer reporting agencies a transaction/experience between myself and Bank of America, N.A. that should have never been furnished in the first place pursuant to 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ).

In good faith I offered Bank of America, N.A. an opportunity to cure for default and they disregarded and in return reported negatively to 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 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from Professional Placement I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called Professional Placement they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX  told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. XXXX told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

XXXX has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by 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 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS reported me as late on a mortgage payment for XXXX / XX/XX/2020. I was not late, my file was in review for mortgage forbearance. SLS told me not to pay and to wait for their review. This took over 2 months of waiting. We called repeatedly, at least once a week and they said we'd receive a letter, but it never arrived. 

Finally in XXXX 2020 we decided to pay to bring the mortgage current, not wait any longer. 

SLS has since filed negative info to the credit bureaus, saying I was late. The credit bureaus are not doing anything to correct the mistake, but this is clearly a mistake by SLS.

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 2021-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: IL

Complaint narrative:
Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from XXXX XXXX I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called XXXX XXXX they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
No access to online banking website www.us.hsbc.com for almost two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCB/XXXX  '' appears on my credit reports still with a balance of : {$1900.00} and needs removed. I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " XXXX XXXX XXXX '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX  and XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am making a complaint with Transunion Credit Bureau. I have a bankruptcy on my credit report that was sent to the credit bureau. I provided my documents from the bankruptcy courts stated that they did not report to Transunion Credit Bureau. Transunion Credit Bureau still is refusing to get rid of the bankruptcy in 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 2021-06-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.

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 2021-06-06 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: Westlake Services, LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items listed on my credit report. Its been well over 45days and I still have not received any investigation results.

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 2021-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WA

Complaint narrative:
I first signed up for a US bank account under a promotion for {$300.00} on XX/XX/XXXX. There was an error in creating the account which froze the account and made me unable to sign up for online banking, add the account to other banks, or send direct deposits to the account. The terms of the promotion were that I needed to receive {$2000.00} in direct deposits within 60 days of opening the account. 

It took US banks technical team until XXXX to finally get my account fixed. By this time the 60 days had passed. I requested and was denied an extension to meet the terms for the promotion. I was frustrated by the service and requested my account be closed on XX/XX/XXXX. I wrote this date down in my records as the date the account was closed. Looking back, I found XX/XX/XXXX was the date that the account closing was finalized. 

In the meantime, I received an offer to open a US bank credit card and took advantage of it. I was once again interested in a relationship with U.S. bank. I read the terms of their new promotion for the bank account and it said I was eligible as long as I hadnt held an account with US bank for 6 months. So I waited what I thought 6 months till XX/XX/XXXX and applied again. My bank account was opened again XX/XX/XXXX. This is three days from XX/XX/XXXX which is 6 months from when my account was actually closed. 

I completed the requirements of making {$4000.00} worth of direct deposits to the account for a bonus of {$400.00}. The bonus did not post automatically and I reached out on XX/XX/XXXX inquiring on the status of the bonus. 

I received the following response : " This is XXXX with Email Operations, and I appreciate the opportunity to help you today. Knowing the status of the promotional offer is important. 

I can confirm that the promo code XXXX was placed on the account when it was opened and that e-statements were signed up for before the cutoff of XX/XX/XXXX. '' The promotion still didnt post so I reached out in XXXX to customer support and was told this time that I was ineligible for the bonus because I had a US bank account within the last 6 months. I missed the deadline by three days because U.S. bank took so long to close the first 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