vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-02 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: TX

Complaint narrative:
I've attached the email I've sent to XXXX XXXX/ XXXX XXXX XXXX CREDIT CARD. 

They've have willfully caused financial harm for allowing continuous erroneous charges on my expired credit card. I was very sick and then attending to family for a deceased grandmother the past 7 weeks. Upon return to Texas, I was notified by credit bureau monitoring services that my credit was now showing 30 days late. 

Never in the history of my life have I ever been late 30 days with any creditor including XXXX XXXX. This account should be XXXX from XX/XX/XXXX through this moment and yet I still went ahead and paid this nominal {$200.00} frivolous charge that XXXX XXXX Allowed. Additionally, I've purposely tried to use the card this weekend and its delcined due to being expired in XXXX. I've NEVER even been able to use or charge anything on this card EVER since XXXX. 

I've contacted 2 law firms today and in addition, I'm also contacting my Attorney General 's Office in Texas and will be sending a complaint to XXXX XXXX ' state where they have their main HQ in the United States. Additionally, I've also sent a complaint to the Federal Trade Commission as they won't fix and correct my credit reports. 

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 2020-11-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
XX/XX/20 ( est ) - Applied for XXXX XXXX XXXX XXXX XXXX ( Synchrony Bank ). Did not receive instant approval. Realized shortly after my credit was frozen with all 3 credit bureaus due to fraud protection. Contacted Customer Service. Representative agreed frozen credit would cause the instant denial and suggested that I contact the credit bureaus to unfreeze credit and reapply. 

XX/XX/20 ( est ) - Unfroze credit with all 3 credit bureaus per Customer Service suggestion. Reapplied and received same denial result. 

XX/XX/20 ( est ) - Contacted Customer Service again. I was advised to wait 30 days before reapplying. 

XX/XX/20 - Received 2nd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - After waiting 30+ days, unfroze credit with all 3 credit bureaus, reapplied. Same denial result. 

XX/XX/20 - Received 3rd denial letter only indicating " high risk source of application ''. 

XX/XX/20 - Contacted Customer Service. Spoke with XXXX, XXXX XXXX XXXX Account Manager. I was told the application was automatically denied and there is nothing else that can be done. 

I have excellent credit and have never been denied credit approval. I am also already a current Synchrony Bank customer in good standing with a different store card. Since these credit denial decisions were clearly not based on my credit, I feel that I am a victim of discrimination.

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 2020-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: MO

Complaint narrative:
SoFi heavily advertised a {$450.00} bonus paid in cash for refinancing a loan with them. The process of setting up the loan, while it does involve entering bank account information, does not trigger the payment of the {$450.00}. 

There are no clear instructions on how to provide the needed information to SoFi to receive the {$450.00}. I received emails notifying me they needed my bank account info for ACH deposit, but the link took me to a general account home page with no clear place to input the information. 

After reaching out to their customer service, they told me it could be found in the " refer a friend '' section of the " membership '' menu. There was nothing before my interaction with the customer service agent that pointed this out or made it clear in any way on the website or in any emails. Additionally, the terminology on where the information is to be entered does not align with what a reasonable person would normally search for and creates UDAAP concerns on my part. 

I believe that the process is potentially designed to be deliberately difficult to reduce the number of customers who actually complete the needed information to receive the {$450.00}. I recommend an audit of the company 's incentive program, communication, and the number of claimed rewards vs those that are not. I would also recommend the analysis be performed from a Fair Lending perspective to determine if there has been a disparate impact on XXXX  customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: AES/PHEAA
State: CA

Complaint narrative:
XX/XX/2020 - my credit score dropped 115 points because FedLoan inadvertently reported me 90 days late due to a mistake on their part. At least two or three FedLoan agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies ( wasting my time since FedLoan was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at FedLoan. The account specialist stated he would escalate it. Fedloan sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased 4 concert tickets for a XXXX  show scheduled for XX/XX/XXXX from XXXX for {$1000.00}. First I was informed that the concert was postponed due to covid19, then on XXXX XXXX  I received an email from XXXX that the concert was cancelled and I would be receiving a credit worth 120 % of my purchase price for any future show of my choosing.I then called Capitol One Credit Card Customer Service and explained that I had received the email from the vendor and that the credit does not work for me. Capitol One agreed with me and removed the charge from my account within hours. Then on XX/XX/XXXX I received an email from the vendor that the dispute had been resolved in the merchants favor and I would have a 100 % credit of my origional purchase price with the vendor and the charge was returned to my card. I followed up by disputing this with Capitol One who said they understood my position and would file an appeal. I submitted all correspondence with XXXX and a rebuttal stating that I never purchased a credit and it wouldn't work for me and that I wanted a refund. On XX/XX/XXXX I received an email from Capitol One stating that they could not assist me. That because the vendor offered a credit they would accept that as satisfying me despite my verbal and written communication that it does not. I was told XX/XX/XXXX of XXXX, four months after I purchased my tickets that " a new policy '' dictated taht I could only receive a credit. This new policy was based in their words on " due to the completely unfoseen and unprecidented epidemic we are no longer able to offer refunds for events that have been cancelled. '' This new policy could not apply to me as it was not in effect when I made the purchase. Also if by the vendors own words Covid19 was unforseen and unprecedented, it couldn't have been covered in the policy I purchased tickets under. I purchhased 4 concert tickets and never received them. The vendor has no right to keep my money and offer a credit that I don't want. NY is shut down for concerts with no telling when they may be available again. Given that, a credit is useless. Just to be clear, I do not want a credit. I did not receive my purchase, I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my 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 explanation
Consumer complaint received 2020-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my 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 explanation
Consumer complaint received 2020-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I Received a loan through SBA And used the wrong account. Chase is holding my funds because is a personal account thats is closed now. The amount chase is holding is XXXX. 

This has been a issued since XXXX XXXX I need my money to go to my business account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
XXXX we closed on a home. The mortgage was sold to NewRez. There was an overpayment in escrow account. This summer I requested an audit. The audit showed that there was over payment. Since XX/XX/XXXX I have been attempting to collect the check for the over payment. Despite numerous phones call with New Rez they have not sent the check to us. Any help in resolving this issue would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 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: NY

Complaint narrative:
I've filed disputes on XXXX, XX/XX/20, with XXXX  and on XXXX/XXXX/202 with Experian and XXXX  in regards to the inaccurate information being reported across all 3 beaus which have caused my scores to decrease for months. I've reported several times but the results were said to be accurate. some accounts were charged off on my credit report but yet it's was still being reported as open and past due. one account is XXXX  XXXX which is reported as past due for {$490.00} but it's in Collection. Another is for {$1000.00} with XXXX XXXX but had been charged off but was yet being reported as past due. another is XXXX XXXX reporting inaccurate info across 3 bureaus posting an {$470.00} account as in collection on one beau but reoprting the same account on other beaus as closed.

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 2020-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Credit & Collection Corporation
State: NC

Complaint narrative:
The debt collector called my personal cell phone and I explained I didn't have the money to pay. I then blocked them so they started calling my place of employment. This requires them to connect through a receptionist who is now informed of my debt. After calling my employer numerous times ( around once/twice a week over last couple months ) I called them back ( 3 ) times and asked them to remove the number from their calling list. The gentleman answering the call continued to talk over me and tell me they will stop when I give them their money. The most recent call received was today XX/XX/2020 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for Bank of America business credit card on XX/XX/XXXX. I have not received any information from the bank about the status of my application. Application Reference # 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 2020-11-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2020 - my credit score dropped 115 points because XXXX inadvertently reported me 90 days late due to a mistake on their part. At least two or three XXXX agents assured me that they had not reported me late. I disputed the late payments with the major credit agencies XXXX wasting my time since XXXX was in the wrong ). Finally speak to an account specialist in late XXXX who discovers what went wrong at XXXX. The account specialist stated he would escalate it. XXXX sent me requests on how to mail my info via USPS to resolve the issue instead of taking responsibility for their mistake. XX/XX/2020 - my credit score jumped back up about 70 points and their only course of action is to say " sorry '' and to " check my credit and hope that it goes back to normal ''. Absolutely unacceptable, incompetent, negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
i called collection company multiple times and let them know it was fraud and they won't resolve

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have reach out to ARS Account Resolutions / XXXX XXXX XXXX XX/XX/2020 and to no avail, I have not received back the items that were requested in my Validation letter. Instead, i received a computer generated statement XX/XX/2020. Which I'm disputing In accordance of the ( FDCPA ), this has caused me detrimental health concerns due to the fact I have no knowledge of these accounts. 
There also reporting two separate account numbers for the same accounts My credit score has been affected. I am asking for this item to be removed from my credit 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 explanation
Consumer complaint received 2020-11-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ). It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.

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 2020-11-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/20 I initiated a chat with Verizon to find out about the promotion on the Verizon Visa. The agent clearly stated " That is correct! {$10.00} Verizon visa card discount will be applied on top of your {$10.00} auto pay discount. '' and the screenshot of the chat with the chat ID is attached. Now that I have made the decision to apply for the card and was approved, Verizon has told me that the agent lied and that there is no promo. The promo actually does not even exist, and never existed. They used this false information to persuade me to apply and the whole thing was a lie. Applying for credit negatively impacts your credit score. Also, if I cancel the card, it will again negatively impact my credit score. So as a result of their false information I am stuck with a card, that they do not intend to honor the promotion provided by the agent. I called customer service and had my issue escalated to their management team, who told me that they have seen multiple issues like this recently. So it seems that there is an entire class of people who have been convinced to apply for credit under false pretenses. This is absolutely astonishing and should be stopped immediately. There has been no resolution provided other than they are sorry the rep lied. This is not acceptable.

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