vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year> I opened a skypass visa signature business card from us bank for earn XXXX bonus XXXX when I spend {$5000.00} purchases within the first XXXX days. 

And I completed my spending within XXXX billing cycles which is before XXXX days due. ( Roughly within XXXX  days ) So I was expecting my bonus miles that us bank advertises. 
However I didnt receive the promotional miles, so I contacted us bank and ask why I didnt receive promotional miles, then they were telling me that they recently changed their policy on XX/XX/year>. 

So I tried to explain that when I opened up new cards, they did not have a new rules kicked in yet and they added new rules after I opened. 
I understand that companies adding and updating new rules but they should honor that customer who opened before new rules. I met all the conditions what they required like pay annual fee of {$99.00} and spending. 
If they gave me an any kind of notice or update new rules during that time, something like through email or message I probably stopped spending at that moment. 


Handling this case with us bank is very stressful that I have to calling them multiple times and they transfer to each others I felt like Im a ping pong ball also Spent so much times and effort.

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 monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Asked LVNV FUNDING LLC to provide verification of debt, company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Someone stole my information a couple of years ago and opened a lot of credit cards etc. I don't have any knowledge of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
PenFed has been running a promotion of {$250.00} for opening a checking account and making XXXX direct deposit totaling at least {$1500.00} into this checking account by XX/XX/year>. I opened the account ( account # XXXX ) on XXXX XXXX, 2024 and made XXXX direct deposit of {$2900.00} on XX/XX/year> and {$2900.00} on XX/XX/year> from my employer. The promotion says " After you have completed all requirements, we will deposit the remaining bonus due in your new account within 60 days from promotional close date of XX/XX/year> ''. 
However after XX/XX/year> ( 60 days passed ) I still did not receive the bonus. I sent first email to the customer support on XX/XX/year> and was told " We are happy to submit an inquiry to the department that manages the promotion. Please allow 3-5 business days for an update ''. After that I have been waiting for more than 10 days and did not hear back from them. On XX/XX/year> I sent the second email again and got the response saying " We apologize for the delay. We have sent a follow-up email to the appropriate department for review. 
We will send out a follow-up email to you once we receive an update ''. 
But until today XX/XX/year> nothing happened. I am very disappointed that PenFed did not keep their promise to pay out the bonus upon completion of all the requirements and did not response to my inquiry. 
The email conversation with PenFed was through 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 monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: KS

Complaint narrative:
XXXX and XXXX XXXX XXXX 
{$2400.00} I attempted multiple times to make payments or pay off balance but company refused to accept payments through my XXXX accredited bank that I've used for decades. 
I have screen shots of the online conversation where the offer to pay was refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
they have repeatedly called me and have repeatedly called me multiple times while Im working. They call me all hours of the day sometimes night and are very rude and ignorant to me. I am a person that suffers from XXXX XXXXXXXX. I have not worked in XXXX or XXXX XXXX  and Im just getting back to work now. I have been fighting for my XXXX XXXX and did not get it and finally gave up and went back to work. Why with all the students that that I have would I get a credit card I could not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
Nature of Complaint : Failure to provide loan payment history, resulting in potential loss of benefits. 

Complaint Details : I am writing to file a complaint against Mohela Servicing for their failure to provide me with my complete loan payment history, which is preventing me from accessing the Department of Veterans Affairs ( VA ) Education Debt Reduction Program ( EDRP ). This program has a time-sensitive requirement to submit a full year of payment history, and Mohela 's lack of responsiveness is jeopardizing my eligibility.

Prior to the recent platform change from Mohela to studentaid.gov, I made nine months of on-time payments. This crucial payment history is not available on the Mohela web portal or studentaid.gov, and Mohela has been unable to provide this information despite repeated requests. 

Since XX/XX/XXXX, I have contacted Mohela daily to request a copy of my complete payment history. Each time, I have been placed on hold for excessive periods, only to be told by supervisors that my request would be fulfilled " within XXXX business days. '' It has now been 10 business days, and I still have not received the necessary documentation or confirmation that this request is being processed. 

I have spent over XXXX hours on hold with Mohela representatives in the past XXXX weeks, with no resolution. This unacceptable delay and lack of communication is hindering my ability to access valuable benefits through the EDRP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: KS

Complaint narrative:
Information on the credit report file has consistently been inaccurate and even sometimes false completely and has not complied with requests to correct and desist use of my personal information. I have never consented to any of my personal and private info to be shared and it is outright fraud to Profit from it or to share or display my personal details in the public

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 2024-09-17 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: KS

Complaint narrative:
Information on the credit report file has consistently been inaccurate and even sometimes false completely and has not complied with requests to correct and desist use of my personal information. I have never consented to any of my personal and private info to be shared and it is outright fraud to Profit from it or to share or display my personal details in the public

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am asking for your help to address the wrong account being reported on my credit profile. This mistake has damaged my reputation, and I need your assistance. The incorrect information you've added has negatively impacted me, and I request its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
One of my XXXX old daughter friend somehow got some personal info about her debit card. And 2 weeks later, he deposited a fake check for {$10000.00} IRS tax refund with my daughter 's name in my daughters account ; and the bank allowed them to withdraw the {$10000.00} within 2 weeks. I called the bank and told them it was wrong for them to allow such transactions to go through and not seeing it was a fake check. how could a XXXX old girl who was XXXX when the fund was dated, with no job, received a {$10000.00} tax refund from the IRS XXXX It was their job to block the check and notify me of the fraudulent transactions. The bank gave me {$4500.00} and refused to give me the rest. 
They had kept my daughter account opened with a negative balance of {$5500.00}. A couple of weeks later, I had accidentally transferred money online to that that negative account because my daughter custodial acct is 1-digit different form my checking acct #. I called them the next day to report it was a mistake. I called over 5 times and explained. They refused to return the money and kept it. I contacted friend who has financial knowledge and helped to mail and email them a complaint to the CEO and other top officers. Several people had called following the complaint. But it was a waste of time. They made no promise of any kind to give me back the money. 
The bank is BANK OF AMERICA. I have a checking, saving account with them, including direct deposit from my job as well a a custodial account for my XXXX daughter. I have been a good standard customer with them for about 14 years

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and the XXXX Equifax data breach. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I am requesting that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-17 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: NV

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXXXXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting 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:
Im confident that I pay on time, but I dont understand why Im being reported as late for some months. Per USC 1666b, any billing mistake should be corrected to show that I paid as agreed.

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 2024-09-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These companies accessed my credit report without my permission, which has negatively impacted my credit score. I reached out to Experian, and a representative said they would remove the inquiries, but theyre still there. These unauthorized and fraudulent inquiries are causing me anxiety, as I worry I might be a victim of identity theft, adding unnecessary stress to my life and further hurting my credit score.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since my personal information has been compromised through numerous data breaches ( including the recent National Public Data breach and the XXXX  Equifax data breach ), I went through the process to create a MyEquifax account in order to create a Fraud Alert and freeze my credit. Since Equifax was previously breached several years ago, I was very surprised to find out that Equifax does not offer any way for me to enable Multifactor Authentication to adequately secure my account. More surprisingly, Equifax even sells MFA services, but has failed to offer or require users to enable MFA on their accounts. Without MFA, accounts are at much greater risk of being compromised, which means attackers could view credit reports or submit requests to unfreeze credit. 

Equifax needs to implement and require MFA for all users. Strong MFA options ( TOTP, FIDO keys, Passkeys ) also need to be an option for users to add an additional layer of security since phone, SMS, and e-mail codes are no longer considered secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have unauthorized inquiries on my credit report and they maybe fraud related. 
Consumer credit reporting agencies haven't removed them. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also I have asked for my any and all previous name be deleted except for the one on my current driver 's license.

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 2024-09-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX  but they have not taken any actions to remove this from my credit report. 

XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my third request for the immediate removal of unauthorized accounts in my name. Upon review of my recent personal credit report, UNAUTHORIZED hard credit inquiries DO NOT belong to me. I immediately notified the Credit Reporting Agencies to no avail. In addition, I have a " fraud alert '' placed on all 3 credit files and has not served anything in protection. The CRAs continued to sell my personal information to third parties offering me credit, loans, and ironically, credit monitoring services.

It should be noted that the CRAs are completely unmoved by CFPB filings and have demonstrated no sense of urgency in complying with the complaints filed by consumers. I have filed complaints with the Federal Trade Commission ( FTC ) and to this day after almost 1 year-to-date, have not been able to obligate the CRAs to remove these UNAUTHORIZED credit inquiries through the CFPB process, one which is lame and ineffective by legal standards. CFPB has taken a Secretarialized position in properly enforcing the Federal statutes although it is now evident that the CRAS has present Class-Action lawsuits pending in Federal Court . XXXX XXXX XXXX XXXX XXXX on XX/XX/2024 XXXX XXXX XXXX on XX/XX/20XXXX XXXX  XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXXXXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired on XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX Inquired XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX  opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX, but they have not taken any actions to remove this from my credit report. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and 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 2024-09-17 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$970.00}. I sent XXXX certified letters to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in detail that I never opened up a XXXX XXXX XXXX, but they have not taken any actions to remove this from my credit report. 

XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of XXXX. I sent XXXX certified letters to the XXXX XXXX XXXX XXXXXXXX XXXX XXXX  to verify I did not open this credit card they have not removed fraudulent charges from my credit report XXXX incorrect Hard Inquires from XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief