vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: Social Finance, Inc.
State: PA

Complaint narrative:
Hello, I referred two friends for the SoFi Credit Card which advertised a 6 % cash back bonus for 30 days for each successful referral. 

The first friend was approved on XX/XX/2022. 

The second on XX/XX/2022. 

I have been going back and forth with SoFi on the first bonus, and tried again today with a new friend.

I literally watched her apply through my referral link, and on the application screen it said she was using my link. However. SoFi now claims they have no record of her using my link and awarded me a measly courtesy of XXXX dollars which will not even cover the extra cash back Id have earned today. 

They claim my referrals did not use my referral link. I actually watched them do it, so this is a blatant lie. And the first individual swears they use the link as well. There is clearly an issue with their referral system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 6 late payments during Covid )

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 2022-03-14 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: PA

Complaint narrative:
15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act XXXX  accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under trans union has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under Experian has violated my rights Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 6 late payments during Covid )

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 2022-03-14 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: MI

Complaint narrative:
Called a few times to get fixed tell me it takes 30 days but still haven't been fixed have accounts not updated and score keeps going down

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 2022-03-14 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: NC

Complaint narrative:
there are numerous problems with my credit report and these items are illegally being reported and need to be investigated according to the letter enclosed

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 2022-03-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Since the last complaint I have found a life and disability policy through XXXX life insurance account numbers XXXX and my wife passed in XXXX of 2014

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX, XXXX notified customers they were recalling certain XXXX products because of issues with the insolation foam. XXXX XXXX is attempting to collect money " owed '' to them for services rendered before XX/XX/2021 despite the fact that the machine would've absolutely been defective before then. They have since sent my bills to collections. I have attempted to contact XXXX repeatedly and can not contact their billing services and all other departments punt me off to another department, getting nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
In XX/XX/2021 opened a Citi savings account, in response to their solicitation. Citi bank offered me XXXX XXXX XXXX miles if I opened a savings account and deposited {$50000.00} dollars for at least 60 days. I completed the requirement, but Citi bank has not provided the miles they promised. 

When I initially asked them why I had not received the miles, they told me to wait another 60 days. I still have not received the miles.

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 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank advertised the XXXX XXXX XXXX XXXX last autumn in XXXX with an introductory " welcome '' offer of XXXX XXXX " avios '' ( air-miles ) after spending {$3000.00} in the first three months. 

I applied for and received the card in XX/XX/XXXX and quickly met the minimum requirements. Chase Bank awarded me the XXXX miles in XXXX, XXXX and my Chase Bank credit card statement shows that Chase transferred the miles to my XXXX XXXX frequent flyer account on XX/XX/XXXX. 

On my XXXX XXXX frequent flyer account, it shows that the XXXX miles were NOT received. They are missing. 

I have tried MANY times by phone, by web support ( help-tickets ) and via XXXX with both Chase Bank and XXXX XXXX to rectify this situation. In every case, Chase says it's not their responsibility ( even though they are the card issuer and offered the welcome promotion ) and directs me to contact XXXX. When I try to contact XXXX, it's almost impossible to get any response and no way to speak with a human. All electronic attempts to resolve this are met with instructions from them to go talk to Chase Bank about missing rewards. I have the history of electronic responses from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX conversations spanning XX/XX/XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 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 2022-03-14 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: UPGRADE, INC.
State: IN

Complaint narrative:
UPGRADE INC., personal loan and XXXX  by my mortgage company, refinanced my house and loan has been paid since beginning of XXXX but still showing open on my credit. They even owed me a refund for overpayment. Yes I've received it but it shouldn't take this long to pay off on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: PA

Complaint narrative:
I have been disputing bankruptcies with XXXX, Experian and XXXX and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the 3 major reporting agencies XXXX, Experian and XXXX that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.

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 2022-03-14 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: PA

Complaint narrative:
I have been disputing bankruptcies with XXXX, XXXX and Equifax and they have stated that they investigated with the court and they said that the bankruptcies are accurate so, I contacted in writing the court and asked how they verified to the XXXX major reporting agencies XXXX, XXXX and Equifax that the bankruptcies should remiain. and they sent a letter stating that they do not report to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I requested a refinance of my loan ( XXXX ) with The Money Source XXXX XXXX XXXX in XXXX of XXXX. I was informed that the loan would be processed in a timely manner and to provide the necessary information. I completed the information as requested and waited approximately 2 months for a response. Late XX/XX/XXXX i received a loan offer which I was then instructed to have notarized and returned within 2 weeks. i provided the notarized documents in 5 days. I was informed 2-3 weeks later that there was an issue with the paperwork. The start of the new loan was to begin on XX/XX/XXXX. I asked if there was any notable change to the new document to the monthly amount or the rate and was told that there was no change. I was informed that the issue was caused by the Money Source, XXXX XXXX XXXX. I was told that another document was coming. I have not received any new documentation. I was then told to make an additional request for refinancing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 64 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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reviewed my credit and noticed that there are account ( XXXX ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit and noticed that there are account ( XXXX ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed

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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
It took three calls to get them to close my savings account. 
I'm now trying to close my checking account. I've made 2 calls and mailed one letter to ask for my account to be closed. They claim there's an error in the system and they can not complete my request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
This is my second complaint about this matter ; NOT A DUPLICATE! I was denied my own credit from JP MORGAN CHASE BANK for the CHASE FREEDOM card on XX/XX/XXXX. This is a violation of 15 USC 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act under 15 USC Chapter 41. The Equal Credit Opportunity Act was put in place by the federal government to stop creditors from discrimination in a determination of credit-worthiness. Denying me my OWN credit is discrimination and unlawful. I filed my first CFPB complaint on XX/XX/XXXX ( case # XXXX ). I was contacted by XXXX XXXX ( ext. XXXX XXXX XXXX ), of the executive office, the very next day kindly saying he was going to look into the matter and get back to me. I never heard back from him. I received a response to the first CFPB complaint on XX/XX/XXXX informing me that JP MORGAN CHASE BANK denied me AGAIN. I tried calling XXXX XXXX back since he kindly left me his direct line. I have called multiple times, leaving multiple messages and he has not returned any of my calls. ( I am still open to have a conversation with him. ) In all, there is NO reason pursuant to federal law that gives them permissible purpose to deny me my OWN credit. These denials have caused my life mental and emotional stress. JP MORGAN CHASE BANK has violated my federally protected rights under 15 USC Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
My mortgage holder is Truist and my bank is XXXX XXXX. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. 

My payment for our XXXX mortgage was made by XXXX XXXX at XXXX XXXX on XX/XX/21. This is fully documented in my account records and statements. 

My mortgage holder, Truist, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. 

This means that whatever problem occurred happened between when XXXX XXXX made the payment to Truist on XX/XX/21, and XXXX Truist received the payment and/or misapplied it. 

This means that there was no error on my end in the transaction ; however, since this occurred, both XXXX XXXX and Truist are trying to avoid taking responsibility for the error in payment application. 

I have made six calls to date, to both XXXX XXXX and Truist, in an attempt to rectify the matter. I have sent a letter to Truist letting them know that there was an open investigation with XXXX XXXX, and that if XXXX XXXX contacted them, I would appreciate their cooperation. I have had both XXXX XXXX and Truist on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. 

I will attempt to resolve the matter with one additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue Truist for negligence. 


Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.

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 2022-03-14 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been trying to reach Truist for months! I can not get a representative that can even see my accounts. There are 2. One was a secured card the other a loan. I am doing my best to settle these things but between the hour long hold times all to be transferred to different depts that eventually hang up on me- the process has been horrid to say the least

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 2022-03-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, American Express sent me a marketing offer through email, offering me XXXX sky miles if I added an authorized user, and they spent {$500.00}. I read the offer carefully, added my husband to the account through the site, and he met the requirements in XXXX. I contacted contacted Amex on XX/XX/XXXX inquiring on when I would see the miles added. The rep was not aware of the offer but filed complaint XXXX, and asked me to upload the offer email to their document center, which I did the same day, I contacted once since then and was told the case was still being worked. Today XX/XX/XXXX I contacted them and was advised the case was closed weeks ago, and that a different vendor code was on my add authorized user. I did not have an option to add any code and the offer does not state I had to follow a specific path, such as using the link in the email, or adding a code to qualify. The supervisor offered to create a new case and start again, and asked me to upload the same documents that are still visible in my document center, which the rep I spoke with before the transfer to him could see. I checked, and they are still visible in my document center. He stated I would still not be contacted on the outcome. 

I feel this was a bait and switch on the part of Amex and that their marketing in this case was deceptive.

Company response to consumer: Closed with explanation