vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

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 2020-01-02 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: UT

Complaint narrative:
XXXX XXXX # XXXX is reporting an debt to my account that is in violation of my rights. This debt is paid off a while ago by XXXX and is still reporting a balance to my credit report. I have attached proof that this account is paid off. I need this entire account removed off of my credit, it is paid and is in violation of my rights for a paid debt.

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 2020-01-02 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern : After receiving a request from chase united card to refer a friend with a promise to receive XXXX miles, I was denied the offer. 

I contacted chase multiple times and was told that the miles will be posted to my account within 6 to 8 weeks. After the allowed time expired, I received a letter dated XX/XX/XXXX ( please see attached ) stating : We appreciate you referring ... to become a new Chase Cardmember ... ... once you have followed the link to refer a friend, you will receive the referral bonus eight weeks..if the link was not followed to refer a friend the point will not be honored. Please know that the original application for the new member was completed in XX/XX/XXXX using the link given. During the months of XX/XX/XXXX and XX/XX/XXXX I was told to wait six to eight weeks. Then in the month of XX/XX/XXXX I received the letter in question. 

According to chase representatives the application was not submitted through the link in XX/XX/XXXX, and the miles will not be honored as per the offer. However, we submitted the application through the link in XX/XX/XXXX. I was never told I didnt qualify rather that I needed to wait 6 to 8 weeks. Their letter clearly acknowledged that I referred someone to become a new card member. Part of the offer stated the new cardmember needed to spend {$3000.00} within 3 months prior to my receiving the miles for the referral. Hence why I understood the time allowed. However, they are not honoring the offer, and I am requesting the XXXX miles I am entitled to. 

Thank you in advance for your attention to this matter if any further information is needed please Freel free to contact me at XXXX. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, in my account o transferred XXXX $ from company account XXXX XXXX XXXX XXXX to XXXX bank XXXX XXXX the amount received only XXXX XXXX the bank did transfer it to another currency causing huge loss ( almost 3 % ) of the whole amount.

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 2020-01-02 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: GA

Complaint narrative:
XXXX details XXXX XXXX, XXXX XXXX XXXX from XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-02 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  are currently reporting incorrect information on my credit reort which is the direct result of fraudulent activity. I have advised them of this fact, submitted my ID Theft Affidavit and asked them to provide the source and evidence of the reporting. Not only have they failed to provide source date for the reporting but also continue to report the information in spite of no evidence for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I have submitted substantial documentation to Setf/Wofc to remove a fraudulent charge off of my credit report including an FTC identity report and a Police Report. The company found valid fraud and the charge was removed from all three credit bureaus. XXXX  has recently blocked the company from reporting to the credit bureaus due to the account resulting in identity theft. Now, I received a letter from Setf/Wofc in an attempt to collect the debt after being a victim of idenity theft which was already proven and taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meyer & Njus, P.A.
State: MI

Complaint narrative:
Attorney XXXX XXXX XXXX XXXX debt collector for XXXX XXXX is on violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt collection Practice act ( FDCPA ) also Michigan laws of the ( FCRA ) and ( FDCPA ) and consumer protection laws has taken action and suing for a debt they did not verify in time with a valid original ( wet ink ) contract that is written documentation. The XXXX letter is a 609 letter under the ( FCRA ) which requires that the credit agencies investigate and validate all accounts including the alleged owed account from XXXX XXXX from a XXXX ending in XXXX for an amount of {$1000.00}. Attached is the letters sent in for verification to the Credit Bureaus. The debt collector had 30 days from around XX/XX/XXXX and XX/XX/XXXX ( 2019 ) to verify the debt through the dispute process of the ( FCRA ) form all three credit bureaus that are XXXX, XXXX, and XXXX. Instead of verifying they took legal action and decided to sue with insufficient evidence and still reporting this unverified debt which is way past the 30 days which must be removed from all three credit reports and to cease any collection attempts. The collector is committing defamation of character and attempting to collect this expired debt and other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FactorTrust, Inc.
State: NM

Complaint narrative:
In XX/XX/2019 I submitted a complaint against XXXX XXXX. Unsolicited contacts that I had repeatedly requested not to be contacted by email and physical mail then over the phone. I received a reply : Company 's Response Ms. XXXX, We are in receipt of your consumer complaint against XXXX filed with the Consumer Financial Protection Bureau. We take all complaints seriously and, as such, investigated this matter. Per your request, we have removed your name from any future offers or mailings that we may make ... .Sincerely, XXXX XXXX I am now in receipt of another unsolicited offer dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
i filed a dispute on XX/XX/2019 and XX/XX/2019, with Experian involving my credit report.it has been over 30 days with no reply, in which they has violated the law by not responding within the 30 days allowed.I am asking that that these items be remove from my credit report .they recieve it on XX/XX/2019 by certified mail XXXX, and i have all my letters to back it up.

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 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: FL

Complaint narrative:
I inquired about a loan from Lending Club. They considered my inquiry as an agreement to take a loan. When I tried to cancel they refused to help me and made me get all the money back from my creditors which I promptly did. 

Lending Club claims they tried to pull the money from my account but they used the wrong account even though it was in the savings account they required me to have it in. 

Now they are saying I'm responsible for the full loan even though I complied to all their requests in a 20 day period. I have spent over 8 hours of hold time and phone calls with them trying to correct the situation and now they are trying to charge me an additional {$1500.00} above the loan amount even after they pulled the money back from my account. I'm already in debt and now {$1500.00} more in debt after paying them back for a loan I did not want. 

They are impossible to work with and get any acceptable results. This is the worst company I have ever dealt with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I opened an HSBC checking account on XX/XX/2019. On XX/XX/XXXX, I received an email from what I thought was the Fraud Prevention team from HSBC, requesting I call them because they needed more information to process my request to open an account. I called them at the number provided in the email and provided them with my social security number, which they asked for the verify it is me. They also sent a passcode to my cell phone for me to repeat back and confirm it is me. They then requested me to send a copy of my drivers license in order for them to process my account opening. I thought this was odd, so I called HSBC directly and they mentioned their Fraud department never contacted me! The email came from XXXX and contained this content. 

Dear XXXX XXXX This email is in regards to your account with HSBC ending in ( XXXX ). After reviewing your account, it has been determined that additional information/documents are needed in order to process your request. Request you to please give me a call back at XXXX. My work hours are from XXXX XXXX to XXXX XXXX Monday through Friday ( excluding Business holiday ),  Eastern time. 

Thanks & Regards XXXX XXXX XXXX Fraud Officer, Fraud Operations, Financial Crime Risk Operations HSBC Operations, Services and Technology Operations Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/2020, at approximately XXXX hours I returned a phone call to Quicken Loan. Previously I had sought information regarding a possible rate reduction and refinance. I have today as well in the past forbidden Quicken from pulling my credit score. I advised them NUMEROUS times I absolutely did not want me credit score pulled. I was inquiring to find out what ballpark rates would be for a refinancing of my property. I was speaking with a male mortgage advisor, XXXX. 

XXXX advised me that he would speak with his senior advisor and find a way he could do so without pulling my credit report. 

Shortly after we ended our call I received a credit report advisory that my credit had just been pulled. I was recontacted and I advised XXXX that I was really XXXX off. XXXX played as if he did not know why. He then told me that he thought it was okay if he pulled my credit. XXXX is deceitful and a liar. At no point of our conversation did I ever give Quicken or XXXX permission to pull my credit and lower my credit score. I feel this is a ploy/scheme used my quicken to lower peoples credit scores to keep them held hostage in the mortgage business. This is dirty business and it should be investigated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TX

Complaint narrative:
the ftc violation of XXXX was filed XXXX XXXX XXXXXXXX sys 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: VA

Complaint narrative:
I had XXXX  services by XXXX ( XXXX, VA ) on XX/XX/XXXX based on a Pre-Estimate approved by my XXXX   insurance XXXX, where it explains that per my plan, the insurance will pay {$550.00} and that my responsibility was {$290.00}, which I paid on the day of the services. However, there was an issue in regards to the XXXX office being an in-network provider, so XXXX put my account on collections with Capital Accounts, XXXX. XXXX XXXX, XXXX, TN XXXX, for {$720.00}. Eventually, after my many complaints with the Wisconsin and Virginia Health Commissions and the XXXX XXXX XXXX, my insurance company, XXXX, sent me a letter stating that it had made a mistake and that the XXXX provider was, indeed, and in-network provider. Furthermore, the insurance company confirmed that it release the payment to the XXXX office on XX/XX/XXXX and that XXXX said that they would remove my account from collections once they have received they payment, which they already did on XX/XX/XXXX. 
After my insurance 's clarification, I expected that my account would be removed from collections, but it has not since even today, XX/XX/XXXX, I received another collections bill.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Penn Credit Corporation
State: TX

Complaint narrative:
Penn Credit called me repeatedly after asking them to stop due to an illegitimate debt. The Agent on the call today took an extremely aggressive tone from the start and got more rude when I asked for a moment to verify that their phone number was one from the company they claimed to represent ( Penn Credit ).

I asserted my rights not to be treated abusively and was escalated to a manager whom I informed that I would be filing this report, requested that they review the recording and requested again that they stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
I have used cash app for over a year. I upgraded my phone, and lost all access to my old account. I have since created a new account, and followed their links to merge the accounts, at which it will not work. I have sent multiple emails with no response. There is no phone number to contact anybody. I have over {$1.00}, XXXX that I am unable to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
A collection company by the name of Contract Callers , Inc. just added a {$57.00} debt to my credit files recently which falsely dropped my fico score by 24 points. I do not believe the debt is correct, and the account in question was closed in XXXX as the house was sold. I have not owned or rented an property that I had to have any type of water account in my name since then. I also never received any notice of this debt prior to now ( it showing up on my reports ) ... no letter, no phone calls, no anything. If i had received anything, I would have been able to properly deal with it. One issue may be that an address listed on my credit file was incorrect, which I have notified all three major credit bureaus about by letter recently. It is also illegal for this to appear on my credit files due to the age of this debt. The date of the 1st late payment on this XXXX XXXX account was well over ten years ago. Contract callers is illegally stating a newer date on my credit files falsely in order to illegally report the debt on my files. I have written to all credit bureaus and to this debt collector as well in an attempt to solve the matter as well. 

Main issue is that Contract Callers put this very old debt on my credit files with a new date opened of XX/XX/XXXX. That is illegal as the date of 1st del was over ten yrs ago.

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 2020-01-02 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I called Chase sapphire ultimate travel rewards to book travel for two on a XXXX XXXX flight. I was supposed to receive a 50 % bonus from using my points through Chase but instead they attempted to use more points than it would have cost me to book the flight myself through XXXX. 

Chase said I would need to use XXXX points but the two flights combined were only XXXX ( XXXX x 2 ). 

Chase Sapphire advertises a 50 % bonus when using points but for me to use their system I would have received a negative reward. 

I can transfer my existing points from my Chase Sapphire card to my southwest rapid rewards account 1 to 1. How can a company charge you more when they say you are supposed to get a reward/benefit? 

I feel completely tricked. This card has a high annual fee, almost {$500.00}, so the benefits are the main motivating factor in getting this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

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 2020-01-02 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: TX

Complaint narrative:
the ftc violation of XXXX was filed XXXX XXXX XXXX XXXX 2 accounts were removed and put back on they are in violation of the law b/c they did not notify me that they were putting back on my credit please see FTC reports that by the law i satisfy my claim with police and affidavit

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