vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have been unemployed since XX/XX/XXXX and had applied for unemployment which was approved but ran into several hurdles before finally appealing and having that be successful. That happened on XXXX. This morning I checked and saw that the XXXX XXXX XXXX direct deposited XXXX into my SoFi checking account. I had been checking the SoFi app every day and even had an 8 day streak. I was doing this in hopes that Id get some money between now and when I was fired illegally ( XXXX XXXX  ). The last time money was in that account was may when my former employer sent my sabbatical payout but aside from that I have nothing. The account was dormant since then, over drafted but nothing was happening otherwise. 

I checked this morning to see if my XXXX  payment was delivered to be met with no account, as if I never signed up for it. It was just gone. 

Went to their chat support and the message stated that it was temporarily restricted and gave me a number to call. When I called I got someone from XXXX who couldnt have cared less. They stonewalled me with my questions and kept putting me on hold to find a manager but conveniently couldnt find find one. Then they said that the account was permanently closed and wouldnt give me any info. 

There was no email prior, no notice. It I highly suspicious that they would close it the very same day I got my UBI so I believe they stole my money and I wont see a cent of it for months, if at all. 


The only reason I have SoFi is because I signed up under a XXXX offer back in XX/XX/XXXX and have been in good standing with them prior to being fired illegally.. I primarily used the account for my entertainment budget which consisted of sweepstakes games and other things related to entertainment. I can verify where all these payments came from and where they went. But like I said once my former employer fired me illegally their direct deposit stopped and thus the account went dormant. Once if I got some money it was going to that account. It is my payout account for many sweepstakes sites but that well dried up too. 

XXXX was a horrid year financially for me and XXXX does not seem to be doing great either. Ive been struggling to keep it together since my XXXX XXXX  got worse and I never can get ahead to get it corrected. This is just another barrier in my way and Im so tired of fighting. 

Please help me! Im going to be calling XXXX in hopes they have not sent the funds yet to the bank but SoFi tends to deposit same day so i may be out of luck, but even tbey should not be doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2024-07-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I recently just looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also have attached evidence ( The evidence is the letter & Report ). 

1. [ XXXX XXXX XXXXXXXX & XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

2. [ XXXX XXXX XXXX XXXX  XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B. 

3. [ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 U.S.C. 1681B.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I use Chase for merchant services for my business, XXXX XXXX, XXXX, merchant ID # XXXX and Checking Account # XXXX ). I have two transactions from customers in which I have not been paid by Chase : XX/XX/XXXX : XXXX XXXX  Ending in XXXX for {$1400.00} XX/XX/XXXX : Chase Vise Card Ending in XXXX for {$870.00} Chase is not remitting payment to me because there is a legal hold placed on my account. There was a court ruling against a company with a similar name of XXXX XXXX, XXXX ( not XXXX XXXX, XXXX ) out of California ( completely unrelated to me and my company in Ohio ) and a law firm by the name of XXXX and XXXX sent a letter to Chase to freeze proceeds for the XXXX XXXX XXXX XXXX account. Again, this company is completely unrelated to me. I have spoke with attorney XXXX XXXX at the firm ( XXXX ) and he said the letter they sent to Chase clearly stated the correct business name ( XXXX XXXX XXXX XXXX ) and owner name ( XXXX XXXX XXXX ) and Chase must have accidentally froze my account instead of the correct one for XXXX XXXX XXXX XXXX. 

I have reached out to Chase on XX/XX/XXXX and XX/XX/XXXX with no success in getting my money nor does there seem to be any progress being made to resolve the situation. My Chase case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX Account 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
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$640.00} I found a suspicious account on my credit report during my latest review. Please remove this fraudulent account, as it is affecting my ability to acquire credit. I do not know this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX of XXXX  a charge to a {$300.00} dollars secure card on my name with Capital One was transacted between XXXXXXXX XXXX XXXX and Capital One without my prior knowledge and authorization. This credit card on my name, XXXX XXXX XXXX was a secured credit card with Capitol One with a credit limit of {$300.00} dollars. The card was used as a means of identifying myself on a car rental with XXXX XXXX XXXX, and not to be used to pay the car rental. The car rental was to be covered by my car insurance company. XXXX went ahead and charged the credit card the amount of {$920.00} and Capitol One accepted the charge, going over the credit card limit by 300 % usage. I was never notified before the charge, by neither company, Enterprise Car Rental nor Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
We financed our hoe through XXXX- who then sold our mortgage to Nationstar which is now Mr Cooper, when I call the number XXXX I get an automated message that it looks like I have called the wrong number and that my Mortage is services by Mr Cooper ( which is weird becasue I am calling Mr Cooper ), the automated attendant gave the number XXXX as the number to call. When I called that number I was awarded a surprise gift if I was over XXXX I needed to press 1 nd under XXXX press 2, I pressed XXXX and was directed to another automated system tryng to sell me a health monitoring device. I hung up tried to call again and it was the same thing. I called Mr. Cooper 's number ending on XXXX again and was automatically provided with the same information. There is no app that we can download because apparently Mr Cooper and " Mr Cooper '' are 2 different loan services ( so weird! ). They make it impossible to find the phone number on the website, but when I finally did this is what happens? The fact that I can not have an app or contact them with ease is a huge issue we have delt with since XXXX sold our mortage to them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
Hello I want to file a complaint against Firstsource Advantage llc or XXXX XXXX. I was recently in a car accident and I was in the XXXX  for half a year. Now I'm out and making money again through my XXXX. I was paid yesterday and nobody can tell me where my money went. The balance owed isn't getting smaller either. I just want to know where my money is going or a closing of this account with no further action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: UT

Complaint narrative:
There is an erroneous debt on my credit which shows to be in collections. This was from an emergency room visit while on vacation last year. I have called my insurance, the hospital where I went to ER and their billing office. Billing office said I have XXXX balance. XXXX from ER was sent to my insurance. They paid their portion an amount was adjusted off and I paid my co-pay. They show it paid in full. This collection agency has been harassing me for over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR EQUIFAXXXXX TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR XXXX/EXPERIAN/XXXX  TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR

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 2024-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I visited a car dealership XXXX XXXX HONDA XXXX to trade in my XXXX XXXX  pickup truck for another vehicle with a lower monthly loan payment. I was accompanied by my son. During the credit check, it was discovered that my credit score was insufficient to qualify for the loan on my own, and that I would need to combine my credit with my son 's in order to be approved. 

In the interest rate negotiation phase, we were initially offered an interest rate of 9.89 % for the car loan. The dealership representative explained that this was the best rate they could offer due to our low credit scores and incomes. We agreed to this rate. 

At the contract signing, we were offered a variety of additional services, such as an extended warranty and Honda Care. We declined these services because they would increase our monthly loan payment. The dealership representative was persistent in his sales efforts, and it was already XXXXXXXX XXXX. He then proposed that we purchase the extended warranty and Honda Care in exchange for a lower interest rate of 5.9 %. We agreed to this offer but requested a lower monthly payment, which was {$650.00}. However, our request was denied.

After the purchase, we requested the cancellation of the extended warranty and Honda Care. As of our last communication with the dealership, the cancellation had not been processed, and the total loan amount on our statement still included these services. The dealership claims that the cancellation process takes 6-9 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I want you to know that I understand my financial obligation, and if it werent for an unexpected death and a major XXXX from very close relatives affecting my household and income, I would have been able to continue making on time payments. I had to request personal unpaid time off from work for a mental break. I made a mistake in failing behind, but since then, I have been able to return back to work full-time. I can now officially pick up where I started and continue on a clean slate. 

Im planning to apply for a mortgage loan, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments and update my account on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please read my complaint thoroughly and take this seriously. There's an account with false and incorrect information being reported on my credit, which is not assured to be the maximum possible accuracy. This has caused me undue stress and has affected all aspects of my life negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting 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:
Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} I found several suspicious accounts on my credit report during my latest review. Please remove these fraudulent accounts, as they are affecting my ability to acquire credit. I do not know these accounts.

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 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: CT

Complaint narrative:
The company called five times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting payment. During each call, I asked for a written document to be mailed to me with details on the service provider, amount, date of service, and the nature of the charges. They assured me that they would provide the requested information. Today 's call was rude and the rep said " the validation period had expired and they would be unable to get me what I was asking for ''. She said I was responsible and needed to pay.

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