vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 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: IL

Complaint narrative:
US Bank is currently running a scam to increase new credit cards acquisitions without having to pay out the advertised points. 

Here is some background about my personal credit worthiness. This is relevant to the scam. 

My credit score : close to 800 My annual salary : $ XXXX My credit utilization : 6 % Number of missed payments : 0 years of credit history : 9 Annual rent/mortgage payment : 0 US Bank currently has a promotion where if you spend $ XXXX you will get {$500.00} in points ( lined bellow ). This sounds good to the new US Bank customer so they go ahead and apply for the card. Here is the catch. US Bank will only give you a {$500.00} credit limit. This means that you need to spend EXACTLY {$500.00} a month every month for 4 months in order to actually claim the bonus. The problem with this is, there is no item you can buy that has an even number without any change. So lets say you end the first month at {$490.00} what would you charge to your card for exactly {$2.00} with no change. Even if you go to XXXX and get a XXXX it will be {$2.00} which would go over your credit limit which would decline your card. US Bank knows this and are profiting off of unsuspecting customers. How do they give someone who makes a XXXX XXXX a year with perfect credit history a {$500.00} credit limit. They are clearly trying to take advantage of their customers. Even if they had given me a {$500.00} credit limit then that would be enough to at least go a couple dollars over the {$500.00} a month to be able to claim the bonus points. But no, they made it exactly {$500.00} to ensure the majority of people are not able to actually spend enough to claim the bonus. Again, I have PERFECT credit history with a score close to 800. I have 6 % utilization and a $ XXXX salary. My first credit card ever was when I was XXXX. I worked a minimum wage job and had no credit history. I got a credit card through XXXX that had a higher credit limit than this US Bank card. They are clearly scamming their customers. This is fraudulent behavior. 

I called the company and voiced my complaint multiple times and they told me they cant do anything for me. They said I would have to wait 6 months for a credit line increase ( conveniently after the promotional period ends ). I will never bank with US bank ever again. 

Link to fraudulent promotion : 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 explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX reporting reporting the the credit score for transunion score is reporting XXXX when transunion is reporting 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 2022-12-23 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: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
XXXX XXXX Sold me an alarm system and never guide me or told me that I must have alarm permit prior the installation. 
After searching online, I noticed that they are not allowed by law to install any alarm system before permit is obtained prior the installation day. 
The system they sold me is a piece of junk, since first week gave us only problems, waking us in the middle of the nights for nothing and after XXXX police visits I ended up paying over {$1000.00} false alarm fees plus penalties for not having alarm permit. It's my first time in my life installing home alarm, I never knew and no one from XXXX told me about permit or police charges. if I knew I would never sign a contract. 
XXXX only installed the system but the monthly bill came from XXXX XXXX XXXX which also should have check the customers obtaining permits before installation. 
Now we have XXXX companies the doesn't obey the law and on top of that trying to rob from me {$50000.00}??? Let 's see which court judge will give hand to this. 
XXXX XXXX more than welcome to come and take all the junk that the installed on my walls and windows and I would be more than happy if they will clean the double tape glue from my windows and patch and paint the holes they made on my new walls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal " Return Shipping on Us '' was supposed to be working until XX/XX/XXXX. 

As per https : //www.paypal.com/us/cshelp/article/HELP692, " You can submit Return Shipping on Us claims until XXXX XXXXXXXX XXXXl time on XX/XX/2022. Starting the very next day, XX/XX/2022, the service will no longer be available. 

Make sure to submit eligible requests as soon as you can to help ensure they get received and reviewed as usual. '' In the same article, it states below that : " If you submit an eligible request before XX/XX/2022, it will be reviewed as usual. If approved, the claim will be processed even after Return Shipping on Us has been turned off. '' Knowing that, I used PayPal for 3 transactions between XX/XX/XXXX and XX/XX/XXXX, believing the " return shipping on us '' would still be available. 

When I tried to submit refund requests for " Return shipping on us '' on XX/XX/XXXX, the button on the Paypal website to do so had been removed. I tried to fix this, both over the phone and over support provided on XXXX on the PayPal support account, and I gaslighted by several PayPal support representatives, saying in turns that the transactions weren't eligible ( they certainly were, looking at the Terms and Conditions for the Return on Us service ), that the promotion had stopped ( it certainly hadn't ), that claims should have been submitted before end of XXXX ( certainly not the case as per the above ). 

This is unacceptable behavior from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
A collection from Allied has been appearing on my credit report for years. And every months or so, the amount increases. I have contacted them asking for proof of this debt, but to no avail. I have contacted XXXX XXXX, XXXX and XXXX XXXX and even you ( CFPB ) to dispute this charge over and over and over, but to no avail. 
Recently, I contacted the XXXX  AGAIN to resolve this false collection account from Allied. They sent the XXXX  a form for me to fill out requesting my social security number and previous addresses ( see attached ). I told the XXXX  if I provide such information Allied can then contend this debt is mine. The XXXX  suggested I contact you all... AGAIN. 
It's insane how a company can claim a debt is owed, increase that debt several times a year, report to credit bureaus and the debt is renewed each year since 2018 without consumer justice or proof. This is ridiculous.

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 2022-12-23 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: TX

Complaint narrative:
XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, XXXX, Equifax and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-23 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: NY

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second complaint in regard to my previous CFPB complaint numbered : XXXX. And probably my sixth complaint regarding Equifax. 
It should go to : XXXX XXXX XXXX, XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX Equifax did not report to you it responded to this complaint. However, there are several things wrong with their answer : 1. I was advised to " upgrade my Equifax product. '' This is something one does, or at least I do, when a level of confidence and trust has been established with a company and I feel and believe a higher level of service, and more money spent, is deserved. Equifax has created the opposite in me because I already pay for their service and even if I didn't, am I supposed to accept the errors associated with my credit report, and that Equifax generates, go to people who might want to lend me money, or offer me a job??? Information is gathered, and written, about me no matter what, so if I don't pay Equifax enough, they don't care what they say about me??? So, in other words, Equifax is advising me if I don't upgrade and spend more money, the errors in my report will not go away or be fixed. These are ERRORS and they are caused by Equifax... I should NOT have to pay more for fair and correct reporting and I will NOT!!! 

2. Equifax statements about my credit stability have been written incorrectly and contradict each other and I have reported this MULTIPLE times with examples to XXXX XXXX, XXXX of Equifax. NOTHING has been done to correct these errors. For example, a condition that might help my credit : " Balances on bankcard or credit card accounts not too high compared to limits '' and same comment, but negative this time : " Total of all balances on bankcard or credit card accounts is too high. '' These two statements are opposite each other... but they STILL exist! And these two make no sense : " Balances on your accounts are too high compared to loan amounts ... '' What does that even MEAN??? And " The date you opened your oldest bankcard or credit card account is too recent. " ... that is NOT true and WHAT is too recent????

Further, their response is nothing but a form letter. Most of the verbiage in it is XXXX, makes no sense and is inapplicable to me... poorly executed response and I refuse to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: SC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Next Level Finance Partners  LLC

Complaint narrative:
Good morning sir/ma, I am XXXX XXXX XXXX XXXX on early XXXX I had in mind to apply for a loan which I chose NEW CREDIT during my filling of the form getting to ( terms and conditions ) to access the amount of money needed I decided not to continue the form no money was indicated that I need/ account number to send the money to, after some months NEW CREDIT has been sending me messages that I am owning why I didn't continue with the deals or collect any money from them ... please call them inorder because since then they keep on disturbing me for no XXXX and keep accommodating money till date..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
If I don't pay my bill in the first week of the month, the lender mails me a notice of my account potentially incurring a late fee, and this is before my payment is officially late. If I fail to make a payment by the end of the month, they immediately mail a notice of intent to foreclose letter to my house. I admit I have not been consistent in keeping my account current and the lender initiated foreclosure proceedings last year but I was able to get approved for a loan modification so maybe there is something in the paperwork that allows them to contact me with threats of foreclosure after one missed payment. During the loan modification process, they continued to proceed with the foreclosure, even though I had successfully submitted a request for assistance. At the time, I brought up the question of possible dual tracking, and they did not acknowledge my concerns. I feel this lender violates consumers ' rights and uses predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 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: TX

Complaint narrative:
XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. XXXX, Transunion, XXXX and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.

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 2022-12-23 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: TX

Complaint narrative:
XX/XX/2022 I had been struck with several hard inquiries across my credit reports at all reporting agencies. I have been disputing these inquiries as I did not provide any authorization for my information to be shared, My car is paid off entirely, with no lien holder. How would I had received is not even in my name. Experian, XXXX, XXXX and other credit reporting agencies have not been compliant and have denied me the disputes relating to hard inquiries on XX/XX/2022. This has been completely unethical and illegal.

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 2022-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
I bought a money order on XX/XX/2022 at XXXX # XXXX of XXXX Michigan for {$600.00} as a way to keep my cash safe instead of carrying that amount with me. I was assured I could cash it to myself. Tried to cash it at the same store and was told I had to wait XXXX hours exactly from time of purchase. Came back after XXXX hours, They still would not cash it because I never had cashed a check there. Tried to cash it at my bank, XXXX XXXX, they do not cash money orders. Could not reach a single person at western union, the online refund form was down, chat sent me to the same form and suggested I continue to try till it worked. 3 days later the site works with a 30 day process time sign a fee! This was my XXXX money. Absolutely disgusted with this company and the service. Case # XXXX

Company response to consumer: Closed with explanation