vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: IL

Complaint narrative:
I applied for and was approved for a {$5000.00} personal loan from SoFi Bank on XX/XX/2022 ( SoFi Loan number : # XXXX ). The personal loan funds of {$5000.00} were sent from SoFi to my external checking account on XX/XX/2022. SoFi was running a promotional bonus offer to receive {$590.00} for applying for and being approved for a personal loan, during the time that I applied and was approved for my specific personal loan. 

I live chatted with a SoFi representative online in late XX/XX/2022 to inquire on the status of my {$590.00} promotional bonus amount, as it had not yet been credited to me. The representative explained that the bonus would typically be deposited to a SoFi Money account, however I informed the representative that I attempted to apply for a SoFi Money account the day before, but was denied. The representative then explained that as an alternative, I could sign a Form XXXX and provide the XXXX details of XXXX of my external checking accounts, in order to receive the {$590.00} bonus to my external account. While still connected to this representative on the live chat, I navigated to the section of SoFi 's website that the representative guided me to, where I electronically signed/dated the Form XXXX and entered the account and routing number of my XXXX XXXX checking account XXXX I was then told by the representative I would receive the {$590.00} bonus within XXXX days of when my loan was approved/funded. 

On XX/XX/2022, which was XXXX days elapsed from the time of my personal loan being funded back on XX/XX/2022, I still had not received the {$590.00} bonus to my external XXXX XXXX checking account. Therefore, I chatted with SoFi once again on XX/XX/2022 to inquire on the status of my {$590.00} bonus funds. The representative did not provide any helpful information as to why my bonus had not been paid out to me- considering that I met the requirements of the offer in terms of applying for and being approved for a personal loan, and having signed the necessary XXXX and provided my external account details for XXXX. The representative told me that opened a ticket for me ( Ticket number : XXXX ) and that the relevant team would look into the matter of crediting my bonus to me within the next couple days. 

Now, it is currently XX/XX/2022, and I have not received any update from SoFi on my open ticket number, and I still have not received the {$590.00} bonus to my external checking account as part of this promotional offer that I took part in, and it is well past the XXXX day mark that SoFi informed me I would have received this bonus by. 

Therefore, I am filing this complaint to formally request that SoFi honor the {$590.00} bonus be paid out to me as per the offer I engaged in and fulfilled all requirements from my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now o

ver 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We applied for a {$170000.00} XXXX  on XX/XX/2022. We submitted all the request support immediately. We believe that met US Bank XXXX underwriting standards. 

There is an fraud alert on our credit reports that we placed several months ago. The US Bank Underwriter stated that they must call us regarding the fraud alert, which we agree with. To our knowledge US Bank never placed the calls, per our cell phones call history, and we asked US Bank to verify the number being called. He stated, via email, that he called XXXX  times. 

The underwriter was unresponsive to our phone number information request, other then saying in an email that our loan was being " td ''. He further stated that he is not working on this XXXX application. 

Emails to/from US Bank are available upon request.

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 2022-02-28 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: MD

Complaint narrative:
XXXX Bank was the issuer of the XXXX XXXX card that I received. The website prominently offered a 20 % discount on the first item purchased with the card. I purchase a XXXX waffle maker for a total cost of {$260.00}, which should have received a discount of {$52.00}. The discount was not applied. I contacted XXXX about this via their secure messaging system, and they advised me to file a dispute. 

I sent a letter initiating the dispute on XX/XX/2021 and received a form letter dated XX/XX/2021 confirming receipt of the dispute ( copies attached ). I did not receive any additional communications from XXXX. 

On XX/XX/2021, the account was transferred to Capital One Bank. I then wrote to Capital One to call their attention to the outstanding dispute at their offices in XXXX, NC. I learned in late XXXX that the letter might better have been directed to their offices in XXXX XXXX XXXX, and I send a letter with all the previous documentation to those offices on XX/XX/2021 ( copies attached ). I have received no communications from Capital One Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/201, I placed an order with XXXX for {$190.00} using my Bank of America credit card ending in XXXX. In XX/XX/2022, I returned some items to XXXX and received a credit for {$120.00}. I also felt, I should have received more credit hence I filed a dispute for {$36.00} with Bank of America on XX/XX/2022. 

On XX/XX/2022, I received a letter stating I received the credit of {$36.00}. After a few days of the credit not posting to my credit card, I contacted Bank of America, I was told to wait until the end of the statement cycle for the credit to post. I have the audio of this call and the notes are on my account. 

I waited until the next bill cycle and the credit has yet to be posted on my account. Please explain where is my credit as per the letter received.

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 2022-02-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is keep replying by automated messages. They claimed that they mailed me the investigation summary but WITH NO PROOF. I requested, In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Where is your Method of Verification? Experian is in violation of FCRA 611 ( a ) ( 6 ) ( B ( iii ).

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I am filing a complaint on Plant Home Lending of XXXX, CT. 

My complaint is regarding deceptive and unethical business practices in reporting past due payments to the credit bureaus. 

It all started when they assumed my loan in XX/XX/2021 and I was notified in XXXX of this change. In the first written documentation, I was informed that I could set up automatic payments. I elected to take this option, as noted, and sent back the required documentation for ACH setup via fax and US mail. I received a confirmation letter stating that my ACH setup was correctly in XXXX for XXXX payments. 

After receiving a letter that my payment was late, in XXXX, I called, again and immediately paid and re-setup another ACH system setup via their OLD portal for XXXX and future payments. 

The following month I received another letter, mid-month stating my payment was late. I AGAIN called and made the payment immediately for XXXX and XXXX and again set up another ACH auto payment in the NEW portal as instructed by the customer service agent. The agent told me that the OLD portal wasnt working correctly. 

It appears that my effort in establishing and following a new customer onboarding process wasnt successful. This organization reported me to the credit bureaus as a late payment because the on-boarding materials and documentation were running two to three weeks late and or did not arrive. 

If you review the files and sequence of events, I tried my best to work within the Planet Home Leading system to establish an ACH auto payment following the process that was given to me. With your letter arriving weeks after the dated letters, I would not have known of any issues. 

I am requesting assistance in removing the credit bureaus ' report and or noting to the credit bureaus that the sequence of events was an error on Planet Home Lending. Planet Home Lending claims they reported correctly, but they failed to state that the error was on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report

. I listed the account s and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I already recently filed a complaint against XXXX XXXX regarding my balance still appears to be {$4300.00} for some time now. So when I made my payment this past Friday on XX/XX/XXXX of {$210.00}, I'd informed them of the complaint filed and the reason. Well the next day XX/XX/XXXX, I received an alert from XXXX XXXX informing me that there had been a change. So when I go look to see what was going on, XXXX had dropped my score a whopping XXXX points! Going back to XXXX of XXXX! Also this balance is not correct. I should now owe {$3800.00} from 6 months ago to this date .They as well updated my payment status on XX/XX/XXXX, and the amount as I've stated stayed at {$4300.00}! And when I made my payment this past Friday, I asked what would now be my balance? She declined but stated that I could call back the next day for that status update, knowing that it would be Saturday! Now they are saying the balance is {$470.00}. So something is definitely off.

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 2022-02-28 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: Aqua Finance, Inc.
State: WI

Complaint narrative:
I was behind LAST YEAR on a personal loan for home improvements ( new windows ). I caught it up by making over {$3000.00} in payments on the account. I noticed I had not received a new statement in a while, so I reached out and inquired ... as I was trying to see what the actual balance was. I should also mention that I have made the monthly payments AND THEN SOME since this time. 

After I made the large payments on the account, they apparently sent it to collections... which I NEVER received any communication about. I reported this to you. They then retaliated by reporting that the account was not up to date on credit reporting ... even though the account IS up to date... they are just not reflecting that and are refusing to do so. 

This is clear retaliation for me reporting their illegal practices- and you closed the complaint at their repsonse! I'm shocked by this- but they are now digging in and retaliating by trying to make my credit suffer even though I have made MORE than the required payments since late XXXX. This is truly shocking and I want them to stop. They need to be correctly reporting that they payments are being made TIMELY- they are refusing to do so. This company is TERRIBLE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-02-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and OTHER FALSE INFORMATIONS from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called the XXXX customer service number for Truist on XX/XX/XXXX to report fraudulent activity on my account that overdrew my account. I was on hold for over an hour, and the woman who I spoke with told me I couldn't do anything until the transactions posted and would order my husband a new debit card. I asked what I was supposed to do until we got paid again, and I got told " this happens sometimes. '' I asked the woman why the bank wouldn't flag something so out of the ordinary and she didn't have an answer. She told me that my husband could go and pick up a temporary debit card at a branch. Monday XX/XX/XXXX, my husband goes into a branch to get a temporary card, and they told him he could not get a card because our account was overdrawn, which is the opposite of what the XXXX customer service person told me. I called the XXXX customer service number back to see again why nothing can be done about this. My husband is a XXXX XXXX, and he can not have no access to our money. The last time I had fraud activity on my account a few years ago, my bank flagged it immediately, gave us our money back and launched an investigation with no problems, so I'm confused as to why we have to wait for something to post. Our account is still overdrawn. I asked to speak to a supervisor multiple times and kept getting transferred to other customer service people instead. Multiple times, the phone would unhold and I listened to the customer service people discuss my complaint, which is ridiculous and bad customer service. To be told constantly that there's nothing I can do but wait is also 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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
An unknown persons name was added to my credit card account without my authorization. The credit card company stated this person had requested power of attorney over my account. They were able to put their name on my account as an authorized user by submitting legal paperwork to obtain XXXX. I never knew this name addition and request for XXXX  until I received a letter from the credit card company requesting the address and birthdate of person requesting XXXX  to complete the application. After speaking with credit card company they said this name addition and XXXX was accomplished through legal paperwork the person submitted.at this time I closed the account, spoke to the cc fraud department and filed a police report. This letter was dated XX/XX/2022 and I received it on XXXX XXXX. On XX/XX/XXXX was when I called cc company to report and discuss this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Someone has gotten hold my social security number and Collecting unemployment and insurance benefits underneath my credit also!!

Company response to consumer: Closed with explanation