vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 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: U.S. BANCORP
State: VA

Complaint narrative:
When I applied " U.S. Bank Altitude Reserve Visa Infinite Card '', there was promotion : spend $ XXXX, get XXXX bonus points. But after I meet the requirement, I was told I will not have XXXX bonus since I had this card before. I did have this card before ( several years ago- I guess ), but when I applied the new one, it didn't say ( in the small letters ) I will not get bonus if I had the same card before. So I should have the XXXX bonus Thanks

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 2021-06-02 00:00:00
Product: Credit card or prepaid card — Student prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANKMOBILE TECHNOLOGIES, INC
State: FL

Complaint narrative:
On XX/XX/XXXX, right before XXXX day weekend, I received my social security check. While paying my normal bills I noticed a couple of charges I did not make. I phoned customer service about it and ask about these charges. As I soon as a said the word fraudulent the customer service agent shut my account down with out my knowledge. At that point I went ballistic. Then transferred to a supervisor. The XXXX thinks A virtual credit/debit card is o.k. Well its XXXX day weekend and I have no cash. No laundry money, running out of meds and no cash. After contacting them again they said contact the companies and use the virtual card. I did this and called the company that made the withdraw. they were very accommodating and would return the funds plus some I missed. They tried the original card and the virtual card but nothing. I called the great and glorious mobile vibe. I called the companies back again and they responded they had tried a few times and that they could not return the funds. Again ; I called customer service which started quoting policy and tried to spin it back on me try to make my fault because some XXXX arbitrarily canceled my card. If I had been given a half hour I would have been able to draw cash out. I've repeated and repeated this situation at to " customer service '' at least ten times in the past five days from the XXXX to The Present. to this day : no card, no restitution, and it looks like I'm out $ XXXX is definitely public shaming time for you and colleges. Oh, by the way, I cant believe you charged me XXXX dollars.

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 2021-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Pro Collect reported a negative item on my Credit file. An apartment complex. the account is old and re-aged. Pro Collect continue to add to the amount. I sent for validation of the account and never got a response from Pro Collect. They continue to report this erroneous account on my credit

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 2021-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received an email today at XXXX from XXXX XXXX XXXX with the subject line " ARREST WARRANT FINAL NOTICE_URGENT ATTENTION ''. The email goes on to day that a lawsuit will be filed against me in the next 24 hours with a District Court in Florida which is not even the state that I reside in FYI. They claimed they have tried to contact me but I have yet to received some official communication in writing via mail. The email also mentions " If we don't receive any response from your side today, your case file will be downloaded automatically against you ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX  Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hello CRA ; I just refreshed my credit report and noticed that other credit reporting agency went ahead and remove this public record bankruptcy from my credit report. but, unfortunately, your unlawful conduct has caused me a lot of XXXX and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! 

Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? 

For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. Youre required to obtain verification from the DATA FURNISHER and the court told me that they dont verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. 

MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 

Chapter XXXX bankruptcy Reference # XXXX Date Filed XX/XX/XXXX MULTIPLE INACCURACIES, MISLEADING AND UNVERFIABLE!!! DELETE!!! 
This public record contains multiple inaccuracies The amount is incorrect This public record was dismissed or filed in error This item never went to judgment The bankruptcy chapter, status and/or dates are incorrect The date ( s ) is/are incorrect This public record is paid, satisfied or released Best Regards ;

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 2021-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Transfered Leased car to other individual. Said individual always paid on time/closed in good standing, but NissanXXXX XXXX refuses to take off derogatory mark on my XXXX  report ( does not come up negatively on any credit bureau other than XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
This debit has been reoccurring on my credit report as if its a new account. This was placed in bankruptcy and therefore should not be reporting on my credit. However, I would like for this to be removed all my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, I opened a paypal account recently, using my gmail account XXXX. I just wanted to explore paypal to see how it works, but for some reason I get the message saying that my paypal has been permanently disabled due to fraudulent or stolen information provided by " me '', I really don't think paypal is reliable to use, because they just steal people 's information. After providing my drivers license and SSN then they permanently limit my paypal. I'm not so satisfied with this. Please kindly look into this Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLIANT CREDIT UNION
State: DC

Complaint narrative:
On the XXXX or XXXX of XXXX, I initialed a domestic wire from my personal account to my Business account. Upon entering in the numbers for the receiving bank, I noticed that I was able to enter all the account numbers. This prompted a call to Alliant, where the representative couldn't explain the error and referred me to Docusign. They still processed the wire and it was rejected by XXXX XXXX XXXX. The next day, we resubmitted the wire and the system allowed entry of all numbers. After being insulted by the supervisor and the system error, I deemed it appropriate to request for both fees to be refunded. They have refused. As a Former XXXX XXXX myself, I can't find a reason of why they wouldn't honor my request outside of being disrespectful even to the extent of calling me by my first name without permission. 

I'm requesting this agency 's involvement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
the following accounts was never authorized to report on my credit, and is hurting me : Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft TARGET/TD Account Number : XXXX This is not mine. 
Identity Theft TARGET/TD Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
I sent the credit reporting agencies letters last XX/XX/2021, notifying them that they reported inaccurate and incomplete credit information. I am distressed that they failed to maintain reasonable procedures with their operations to assure maximum possible accuracy in the credit reports they published. It's very clear that they violate the Fair Credit ReportingAct, Section 609 ( a ) ( 1 ) ( A ) and I want to seek legal action about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: U.S. Auto Sales Inc.
State: AL

Complaint narrative:
This company failed to verify the account in the disputing process within the provided time of 30 days. XX/XX/2021, U.S AUTO Finance opened a closed account on my credit reports, as well made a payment on the account on my behalf and lowered the balance. This is unethical behavior and they are taking advantage of consumers and our rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: FL

Complaint narrative:
I'd like you to remove negative information from my credit report that isn't mine. I have filed an Identity Theft Report, which I have included to this letter, saying that these accounts are not mine and that my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from.I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this 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 2021-06-02 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
A few years ago. I signed up for a XXXX credit card with Synchrony Bank that promised 1-3 % cash back. 

XX/XX/XXXX I was notified that my account would be closed on XX/XX/XXXX. The email stated that I could continue to use the card through XX/XX/XXXX. In the email it said " Outstanding cashback on purchases will be paid via a statement credit within two billing cycles. '' So, when I get my final bill ( available online at the end of XXXX ), I noticed, that, unlike all of the other bills I have ever received, this bill didn't have a statement credit. 

So on XXXX XXXX I contacted customer service. And the first person I spoke with said : " For the cash back, it should be updated and reflected at the end of the billing cycle date and that will be on XX/XX/XXXX. '' But when I tried to dig in and get details, the representative got disconnected from the online chat. So eventually I was able to speak to someone else to get details, and they said " The closure of all accounts forfeited the rewards. '' and later " However, the statement closing date shows XX/XX/XXXX which happens to also be the closure of all accounts. '' So I did not get the 1-3 % cash back on the ~ {$2000.00} that I spent on the card that month.

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 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr Cooper hasnt responded to initial complaint. Company called multiple times a day, called on weekends and holidays. Told company they would get their money once VA retro pays me owed funds. Mr Cooper continually calling and harassing me. Company never left messages. Mr Cooper then without cause had a debt collector reach out to me. We are in a pandemic and Im a XXXX veteran, horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: IL

Complaint narrative:
I started contacting Transunion XX/XX/2019. I have provided proof from the US Dept of education and letters from the creditor as well and they still refuse to correct the information. I have two student loans with the US dept of education 1 for {$22000.00} and 2 for {$21000.00}. Transunion is reporting 3 loans 1. {$22000.00} 2. {$21000.00} 3. $ {$43000.00}. I have never had a loan for {$43000.00}. So they have been overstating my loans for over two years. They also list them as included in chapter 7 bankruptcy. I sent them letter directly from the lender stating that student loans can not be included in bankruptcy and that mine are not included in the bankruptcy. yet they refuse to verify or correct the inaccurate information. This has made my credit score lower and I have to pay higher percent on every type of credit i get just because of them.

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 2021-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company
State: WA

Complaint narrative:
Guild Mortgage in XXXX XXXX did not refund the balance of my escrow account within 20 days. Final payout on XX/XX/XXXX. As of XXXX, refund has not been received. I believe that's a violation of RESPA. 

12 CFR Part 1024.34 ( b ) Refund of escrow balance ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. 

Has been 24 days as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On or around XX/XX/2021, I became a victim of identity theft when an account was opened at TD Bank. I received a written notification in the mail that the account was opened. I subsequently visited the nearest TD branch to have the account closed ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) on or about XX/XX/2021. Thereafter I received a statement and decided to visit the branch again. On XX/XX/2021, I visited the location for a second time because of my concern. The account was opened with my personal details and I wanted to know what that information was. XXXX at the branch helped me and verified my identity using my driver 's license. I requested the application to review what information was collected but I was told by XXXX, who called TD 's Fraud line, at the XXXX XXXX location that because the account was opened online they would not share the account opening information with me. XXXX did let me know to open an account online, TD requires the customer name, ssn, address, and dob. The customer then needs to visit a branch to fund the account and provide ID and a signature card. After XXXX reviewed the account she said there was no signature card available for the account. She also said the account was likely funded electronically and not at a branch. It's distressing enough to be a victim of identity but it doesn't seem TD was vigilant enough and it was concerning that the application wasn't shared with me and that there was no signature card on file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This is frustrating as it will surely make my transactions in the future hard and time consuming and because of that, I want it to be fixed.

Company response to consumer: Closed with explanation