vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 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:
Experian is in violation of numerous consumer rights including 15 USC. Documents are attached to this complaint.

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 2021-08-25 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). Documents are attached to this complaint

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 2021-08-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Social Finance, Inc.
State: NY

Complaint narrative:
Late XXXX XXXX I applied and was approved with a SoFi Credit Card . 

XX/XX/XXXX, XXXX USPS informed me via their USPS Informed Delivery that a SoFi correspondence is coming and shall be received within the day. It never came. 

The week of XXXX XXXX I have filed for an unclaimed letter at USPS but they never got back to me. 

The week of XXXX XXXX I called SoFi customer service people regarding my concern of not receiving the card. They advised me to wait and call back within a week before they can replace the card. 

XXXX XXXX I received an email and text that they have noticed a transaction at XXXX XXXX XXXX , NY for {$940.00}. I called them and told them that I have not received the card and have not activated the card. They said that I am not liable for it and it will be investigated. 

The following week, XXXX XXXX- SoFi 's investigator told me to secure a Statement/ affidavit of loss from the customer service in order for me to file a police report. She told me that after filing a police report, I should give her the incident number, Name of the Police, Address and Fax number. I called the SoFi 's customer service and asked for the said document but sent me a current balance which is {$0.00} as of XX/XX/2021. I have been calling them regarding the said Affidavit of Fraud Form but still they are unaware of the said document. 

XXXX XXXX I was surprised that they have completed their own investigation and that they have concluded that I was liable for the said transaction. They have not even presented any proof that I made the said transaction. XXXX XXXX even told me that I have the card, I made the said transaction which is absurd, First of all, How can I file a complaint without SoFi giving me the said affidavit? I was in the police station to file a complaint but they can not entertain me without the said affidavit of fraud from the credit card company. 

I have been calling SoFi but we are just running circles. How did they came up such conclusion that I made such fraudulent transaction? Did they even check the IP address that was used if was used via online transaction at XXXX XXXX XXXX?, the phone number that was used to activate the card? did they even check and coordinated with XXXX ' CCTV if I was in the said store if it was done in person? This is just so absurd and I hope I was treated fairly in this matter. They have lapses in judgement making their fraud department unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-08-25 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
American Credit Acceptance is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed a claim with Wells Fargo on XX/XX/2021. On XX/XX/2021 I went to the ATM machine at XXXX XXXX and XXXX XXXX in XXXX, FL XXXX. The ATM did not dispense the {$100.00} that I requested. When I checked the balance it showed the {$100.00} was gone. I immediately went into the branch and complained to the bank representative. He said he was aware that the ATM was not functioning. He said that when they tally the machine at the end of the day, they will see the overage and refund me my {$100.00}. The claim # was XXXX. When the money was not returned the next day I called to register a complaint. I spoke with XXXX at XXXX. He said that there was a different department that handles the research and there is no number that I can call to speak to someone in that department. It was not until XX/XX/2021 that they returned the {$100.00} provisionally. Now on XX/XX/2021 they reversed the {$100.00} credit and closed the claim. I called XXXX @ XXXX and he said that when Wells Fargo did their research, the ATM machine did not show an extra {$100.00}. This goes back 2 months and I am not sure if the Bank rep would remember that the ATM was down on XX/XX/2021. There should be a record that the ATM was malfunctioning whether or not they can see the extra {$100.00} or not. I do not know the name of the branch representative This is 100 percent fraud on Wells Fargo account as they had a bank representative acknowledge that the ATM was 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 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
XX/XX/XXXX - On this day, I sent the amount of XXXX USD using the WISE payment system. 
When filling out the details, an error was made in the company name, instead of XXXX, I specified XX/XX/XXXX, but all other details were specified correctly. 
The iaai company informed me that it rejected the transaction for this payment, respectively, the funds had to be returned to my account, which, by the way, was blocked on XXXX XXXX. 
WISE says that no funds were returned to them. 
That checking my account can take up to 60 days, but 4 months have passed, and we are not even one step closer to solving the problem. 
This payment system simply stopped responding to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XX/XX/2021, I contacted Citizens Bank and relayed my concerns that there were technical issues with my account, in terms of account access, on going ACH depositing issue and password issues. I was assured that the representative with whom I spoke with would resolve this instead, it was temporarily resolved for the month of XXXX but the issue reoccured on XX/XX/2021. 

I reached out to the company on XX/XX/2021 and I was told that they could not refund the fee of {$37.00} which they charged my account as an overdraft fee for non-payment. I had to re-set up another direct ACH recurring transaction between XXXX and XXXX who services my student loan. Ever since I opened this account, I have been having issues. I can not use a bank who refuse to address its poor customer service, delayed response system at the expense of making money. I am unable to process the last time I had a returned fee check and it is with this bank. I do not have these issues with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received my monthly bill showing several charges for extra airline luggage we checked on a flight to XXXX Ohio on XX/XX/XXXX and to XXXX on XX/XX/XXXX. The amounts were {$100.00} each way. In XXXX AMEX asked me to upgrade my credit card which would increase my annual membership {$150.00} per year. One of the caveats to this was I would get {$100.00} credit on anything I purchased with the airline if I used my AMEX card to book the flight which I did. I was given this in XX/XX/XXXX but when I called about my {$100.00} credit for this for the XX/XX/XXXX charges I was told that I had to register the airline with AMEX to get this. I was never told that and if I was, I would not have taken it because I fly different airlines depending on costs, layovers, etc. Their response was they would not give the {$100.00} credit and when I told them to downgrade my card so I would not pay the extra {$150.00} per year, I was told I would have to go with a standard AMEX XXXX card. I have been a loyal, on time paying Gold Card member since XXXX. I would think that 31 years of loyalty would be something but instead it is okay we will charge you more, not honor what we told you and if you don't like it we will downgrade your card. I guess since I pay it off monthly they are not making enough money off me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
I lost my wallet years ago as a result of that I have had fraud committed in my name several times the 1st was from XXXX the second was XXXX XXXX the third was my Checking account at XXXX. and now this a XXXX XXXX  credit card that I never heard of for the sum of XXXX Please Help Me Thank You

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 2021-08-25 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 a lot of inquires for credit on my credit report all 3 of them Experian, there are address on my report that do not belong to me XXXX, and XXXX. i called all 3 to have a fraud alert put on my credit. they told me to come to the website to fill a 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 non-monetary relief
Consumer complaint received 2021-08-25 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: NM

Complaint narrative:
I reached out to the credit bureaus of XXXX, Trans Union, and XXXX in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.

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 2021-08-25 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: NM

Complaint narrative:
I reached out to the credit bureaus of XXXX, XXXX XXXX, and Equifax in XXXX, XXXX, and XXXX. I specifically asked for verification of the accounts involved, and I received no proof or explanation as of why the accounts came back verified as accurate all three times. Each month, the account amounts are being updated, and show as different amounts from each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: Colony Brands, Inc.
State: IN

Complaint narrative:
I first received a catalog for a company I have never heard of a few weeks before, It was from XXXX XXXX. On XX/XX/2021 I received a notification from XXXX XXXX XXXX XXXX XXXX/Swiss Colony ran my credit and I have a hard credit inquiry. I never ran my credit for anything in the past 4 months. I believe my identity was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
A week or so before XX/XX/XXXX, I received a Capital One Quicksilver offer " Because you're a valued Capital One customer .... '' The offer : " A {$2200.00} ONE-TIME CASH BONUS when you spend {$500.00} on purchases within 3 months of your account opening. '' Within days of receiving my card, I charged {$2500.00}. About 2 weeks later, I called Quicksilver to ask if the {$200.00} cash bonus would be applied to my current statement due XX/XX/XXXX. That's when the runaround began. I was told I would receive a letter via USPS in answer to my question. As of today, XX/XX/XXXX, no letter. Today I called Quicksilver. I spoke with XXXX XXXX who simply said the offer would not be granted because I already held a SPARK Business card. When I accepted the offer via phone ( and I'm told calls are recorded ) I was very clear to tell the Agent that I already had the Business card. The hard copy offer I received does say " Because you're a valued Capital One customer .... '' Later, I called to speak with a Supervisor : XXXX XXXX who is a master of runaround. I have a hard copy of the offer and, I receive a similar offer via email daily. The current offer has been updated. It takes a few pages to see how a customer could be disqualified. I believe I have been misled and should receive the {$200.00} Bonus immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
We refied a year ago XXXX with XXXX, and soon got notice of mortgage change of where to send payments, then it was CMC/SLS, and then just SLS ( Specialized Loan Servicing ), an LLC out of XXXX, also in XXXX. My property taxes went up and my escrow increased by {$120.00} in XXXX. I was not aware of it, but got late payment letters, after the fact, the even though the XXXX payment had been made, and the XXXX payment was made on the day I spoke to them. I changed to the new amount in my auto pay, but it did not save it, so the the XXXX shortage occurred in XXXX, and here came the letter with the XXXX late fee, a week after I had already sent the XXXX the day XXXX spoke to them, I believe on the XXXX. So SLS already had the electronic payment on the XXXX. I called to question it, and removing the fee has to be approved by the cashier dept. which I will have to call back in a week to check status. 
It is constant hassle and nickel dime churning. I have never had to make so many calls to a deal with a mortgage payment. It is like dealing with some sleazy collection agency. 
I don't believe these mortgage collection entities existed prior to the housing collapse. A residence is very personal to most people, and it leaves a bad taste to have your home mortgage sold into the clutches like grist for the mill. How is this allowed?

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 2021-08-26 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: TX

Complaint narrative:
In XXXX of this year I received a promotional offer from American Express to apply for a 4.00 % interest rate on purchase for 12 moths. I called the 800 number to do so and provided them with the promotional code. The AMEX rep could not find it. It took her about 15 minutes and she found it but said she could not process it and sent me to their website. I look into the website and under their promotional offers and could not locate. I called back and was told I could scan the offer bar code which I did but it would not come up. I registered a complaint and received a call about 2 weeks later. The AMEX rep apologized, took down my information and said they would get back to me which they never did. I was going to put a golf club purchase of {$1200.00} using this promotional offer. I did not. I actually put it on my AMEX and paid if off the following month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I closed my checking account prior to XX/XX/2021 and a check was sent dated for XX/XX/2021 in the amount of XXXX. I did not know that I had received the check already in the mail and called Capital one on XX/XX/2021 regarding a possible lost check. Capital one responded appropriately and cancelled the check. The very same day, I found the lost check, and tried to call them back and tell them to stop the previous action of cancelling the check. They mentioned a " back research team '' or " people in the back '' that handle this type of issue and were not able to give me any more help regarding this matter. My main problem, is the amount of time that it took for the corrective actions to be taken and the amount of times in which I had to call them. On XX/XX/XXXX, I called and was told that I needed to wait some more time for the check that was cancelled to be " actually cancelled ''. Could take several business days. Next, I called back on XX/XX/XXXX, and was told that they needed to sent more communication to the " back team '' in order to see about further actions on me receiving a new check or maybe reversing the previous action on the current check. On XX/XX/XXXX, I called yet again and they mentioned that it could take several more business days for the " back team '' to actually get back to the front team. Or some such nonsense as this. Now, on XX/XX/XXXX, I spoke with a supervisor who now confirmed that the check was being sent expedited my way. Note, that only after I made this phonecall, was this information relayed that the check was now being sent. Also, I had to talk to two separate people in order to get this information. I would now have to call back on Friday in order to get a tracking number. I received the following reference number for this final interaction which was : XXXX My complaint is that this will take over 3 weeks for a check to be sent because of this other check being cancelled. How is it, with today 's technology, that it should take such a ridiculous amount of time for a check? I do have bills to pay and have plenty of debt and this is not acceptable. I would want actions taken on this company for this inconvenience.

Company response to consumer: Closed with explanation