vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email from SoFi with the subject line " Important! Activate your newest benefits '' instructing me to upgrade my existing SoFi Money account to their new Checking and Savings option. As part of the email, a {$300.00} bonus for certain direct deposit requirements for " All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checking and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account. '' After the evaluation period, I did not receive my bonus so I contacted customer support. They stated that because I had set up direct deposit in my SoFi Money account in XXXX, I was not eligible, despite the terms clearly stating that an existing member who sets up direct deposit in Checking and Savings would be eligible, which I did. 

Customer service refused to provide the bonus despite me meeting the terms and their reason for disqualification being impossible due to the Checking and Savings product not existing in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX  XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ALLIANT CREDIT UNION
State: TN

Complaint narrative:
I have two disputes for charges with a company called XXXX, a XXXX based company. 

On XX/XX/22, I made a payment of {$200.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$200.00}, a difference of {$4.00}. 

On XX/XX/22, I made a payment of {$76.00} to XXXX through XXXX. When the payment posted to my XXXX card with Alliant Credit Union, I was charged {$78.00}, a difference of {$1.00}. 

XXXX 's third party agency that handles their credit card disputes through XXXX, never contacted me about the investigations and never sent any letters with their decision or findings. When I contacted Alliant 's Credit Card department on XX/XX/22, I was told that they contacted Visa and XXXX said these overcharges included foreign transaction fees accessed by Visa. 

If that is true, then why was this fee included within the total of the purchase, when they are always separate fees with a description of " foreign transaction fee ''. I have never had a foreign transaction fee charged within the purchase fee with this credit card. The Alliant Credit Card rep confirmed that foreign fees are always a separate charge and said she could not explain why I was charged this fee within my purchase price. 

I need proof in writing other than " XXXX said so '' to show that these fees are legit and were charged correctly. I was told that XXXX can take my money and pretty much do what they want to do with it by the bank XXXX And that Visa can report these fees in whatever way they choose, even if its not clear or in writing to the consumer. 

If these charges are legit, I need something in writing proving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given written notice by Bank of America that my funds from a deposit drawn from another Bank of America account in the amount of {$1300.00} for a refund of my security deposit would be made available two business days after I made the deposit on XX/XX/2022. At the same time, I also deposited a state of California Covid 19 check to my account for {$1700.00}, which was put on a seven-day hold until XX/XX/2022. 

On the day I expected funds to be made available from the Bank of America, I was informed they were holding funds for a full week until XX/XX/2022. 

Per regulation CC, for checks drawn on an account held by your institution ( " on-us checks '' ) deposited, they must be made available on the first business day following the banking day of deposit ( " next-day availability '' ). The same also goes with government checks. ( State or local government checks deposited in person to one of your employees and into an account held by a payee of the check, if your institution is in the same state as the payor of the check. ) - I am a resident of California and my check was deposited into a California account. 

But even after stating regulation CC, it seemed apparent, the manager didn't know the details of what regulation CC was. I spoke to XXXX, employee number XXXX, a manager at Bank of America at a call center in West Virginia.

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 2022-05-27 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:
There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of Transunion and XXXX next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

Transunion : The follow inquiries are listed that I did not authorize : 1. XXXX  2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX 23. XXXX 24 . XXXX  25 XXXX XXXX 26. XXXX XXXX  XXXX  27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX 33. XXXX XXXX 34. XXXX XXXX XXXX : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( Again ) 15. XXXX XXXX Bank 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX 19. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )

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 2022-05-27 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:
There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of XXXX and Equifax next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

XXXX : The follow inquiries are listed that I did not authorize : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX  23. XXXX 24 . XXXX 25 XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX XXXX. XXXX XXXX Equifax : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX XXXX. XXXX XXXX 20. XXXX XXXX 21.XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-05-27 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX XXXX {$3100.00} XXXX XXXX {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, XXXX and Transunion. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.

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 2022-05-27 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: GA

Complaint narrative:
ACCOUNTS Settled and paid in Full or to Agreed amount : XXXX XXXX : {$1800.00} - XXXX : {$17.00} XXXX : {$160.00} XXXX : {$970.00} XXXX : {$2000.00} XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX  XXXX : {$700.00} XXXX  XXXX : {$1000.00} XXXX  XXXX : {$1500.00} XXXX XXXX XXXX {$23000.00} XXXX : {$420.00} XXXX : {$3100.00} XXXX  : {$2900.00} XXXX : {$430.00} I filed for Bankruptcy in XX/XX/XXXX. The XXXX was dismissed in XX/XX/XXXX. These accounts are in some cases over 7 years old and at least 5 years old. I have filed multiple disputes with all of the credit agencies- XXXX, Experion and XXXX. Many account still show on my credit report as Collections/Deliquent or Part due. I have a payment agreement with XXXX XXXX - third party. I have paid XXXX and XXXX off fully. The other accounts were settled for lesser amounts. I would like my credit report to reflect the fact that I have been in XXXX for 5 years in which many of the accounts were paid. The way it reflects now is impacting my ability to buy a house. I need to have these removed or at least updated to show as paid - not Collection or Deliquent or even Past Due.

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 2022-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
An installment loan was taken out in my name and now Im receiving harassment calls due to unpaid balances. I set up a payment plan to repay the loan and now Im receiving calls that I will be taken to court and sued. This is unfair. Ive set up a payment plan to pay it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Hello, My mortgage bank has been denying a few times to : 1- refinance 2.-several attempts of modification denials for no acceptable reason I also intended to apply for a program related to covid apparently a fair interest rate was to be in the process but was never completed, this has been rejected due to timing the institution caused, eventually higher and higher interest seems to be in their plans for my modification loan to be considered, I was born in XXXX, I'm an elderly getting approaching XXXX XXXX XXXX, I fell I'm been ignored maybe because my age, my lack of English and other facts such as not able to hire an attorney to defend my situation, people in that institution are very rude not polite and I can never get in contact with a " single contact '' that was supposed to be assigned to me. I just want to be able to retire comfortably with a mortgage payment that they promised me, I have been making my mortgage payments on time and I still receive threats of my home will face foreclosure. 
They are several documents that support my case available including contracts that they unfairly discharged, the name of the bank is Freedom Mortgage please advise. 

Thank you, 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 2022-05-27 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: FL

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

15 U.S.C 1681 section 602 A states I have rights 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 2022-05-27 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: FL

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

15 U.S.C 1681 section 602 A states I have rights 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 2022-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : 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