vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 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: DISCOVER BANK
State: MT

Complaint narrative:
I attempted to purchase a truck bed from a salvage yard in XXXX Illinois, called XXXX XXXXXXXX XXXX XXXX I used my Discover card to make the purchase. XXXX XXXX XXXX then turned around and charged my card twice for the same purchase. The original purchase was on XX/XX/XXXX, the double charge occurred on XX/XX/XXXX. 
It took a month to get the double charge straightened out. The truck bed never did show up at my home. It is now XX/XX/XXXX. I have contacted XXXX XXXX parts several times, with no help, they are the epitome of dishonesty and liars. Discover Card has ruled with the Merchant on this issue, saying that the charge was valid. I have talked with them at least 10 times on this matter. I never received the part in question, never signed for it, if it were dropped off, which it wasn't. The amount of the truck bed was {$1700.00}, which supposedly included shipping. XXXX XXXX XXXX  has told Discover card that they did ship the truck bed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Mt. XXXX. The trouble is There is no such address, as I have checked on it, and the biggest mistake they have made is I live at XXXX XXXX XXXX in XXXX, Mt. XXXX which is 10 miles away from XXXX, Mt. XXXX XXXX parts has over 10 complaints against them with the XXXX. And their XXXX reviews are horrible. Still, Discover Card has chosen to side with them. After I have been a solid Customer with Discover card since XXXX. There were never any tracking numbers from XXXX XXXX XXXX or any Email telling me when to expect the truck bed. The truck bed is 5 feet wide by over 6 feet long. Pretty hard to misplace something of this size. The double charge on the Card mentioned above was also for {$1700.00} which took a month to get reimbursed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AK

Complaint narrative:
On or about XX/XX/2021 Robinhood Financial experienced a massive data breach. On or about XX/XX/2021 and XX/XX/2021 approved and accepted my government issued IDs. On or about XX/XX/2021 Robinhood placed a restriction on my account preventing access to my funds and trading privileges. On or about XX/XX/2021 I received an email from Robinhood stating they were reviewing unauthorized activity I had reported concerning my account. 

This is a false allegation. I did not report unauthorized activity to Robinhood Financial concerning my account. 

Robinhood Financial denying access to {$6000.00} in my account has caused me to experience great financial and emotional harm. 

Robinhood Financial actions has caused me to experience great credit history injury with the major credit bureau agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: ERC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX  Past Due {$100.00} Pay Status XXXX  This just showed on credit report XXXX. Have not had att acount for 7 years, and do not have an active account or past due amount. This past due amount and account status is not correct, and requesting to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NV

Complaint narrative:
EQUIFAX HAS BEEN REPORTING FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT. A COMPANY CALLED XXXX XXXX XXXX XXXX HAS BEEN REPORTING NEGATIVE INFORMATION ON MY REPORT AND I HAVE NO KNOWLEDGE OF THIS ACCOUNT NOR HAVE I EVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY. EQUIFAX HAS HAD A DATA BREECH IN THE PAST AND MY REPORT HAS BEEN AFFECTED. I DON'T EVEN HAVE AN INQUIRY WITH THIS COMPANY AND MY REPORT HAS BEEN TREMENDOUSLY AFFECTED AND I HAVEN'T BEEN ABLE TO BE APPROVED FOR THINGS DUE TO THIS FRAUDULENT ACCOUNT. I XXXX XXXX XXXX GIVE YOU MY AUTHORIZATION TO RESPOND TO THIS COMPLAINT,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had numerous bank accounts. Some of the banks have included : XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America, and now I am having problems with XXXX XXXX XXXX XXXX I have been to almost every bank in XXXX, CA. Everytime I open an account money has come up missing! I lost thousands of dollars from Bank of America, XXXX XXXX and XXXX XXXX XXXX XXXX. I decided to go to a credit union- XXXX  XXXX XXXX and now I am having the same problem. I am a XXXX XXXX woman and no one seems to listen to me. I have been trying to get help for years and have been unable to receive any help! Can you please help me! My information includes : email- XXXX and my phone number is ( XXXX ) XXXX. Thank you, Sincerely, 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 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
In early XX/XX/2022 I received a CashApp debit card in the mail for an account I did not open. This marks the THIRD time CashApp has allowed identity thieves to open an account in my name ( see complaint XXXX for details on the first two ). 

Aside from CashApp 's XXXX customer support taking way too long to resolve the issue - that is not the main purpose of this complaint - I have asked CashApp to block any further attempts to open accounts in my name and they have refused. 

I have assured them that I will not voluntarily open any accounts myself, and any further accounts opened with my identity will be fraudulent. In spite of this they insist they can not/ will not block anything. This means if they allow my identity to be used again, they will be knowing accessories to identity theft. 

To summarize - my complaint is that CashApp, BY POLICY and BY EFFECT of their slow, ineffectual customer service, is allowing identity theft to run amok on their platform. This should warrant further investigation from regulatory agencies. 

Whether their refusal to block my identity is due to policy or technical limitations, these CAN and SHOULD be addressed so that identity theft victims like me can get relief from further abuse through their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX consumer and I have new evidence in regards to my previously filed complaint on XX/XX/2022 Complaint ID : XXXX. I previously stated that ACA has yet to provide me with proof of the alleged obligation, and how ACA used obscene and profane language by stating that I owed an alleged debt. American Credit Acceptance, " ACA '' responded stating, Accordingly, ACA has thoroughly reviewed my complaint and ACA account. Based on ACA review, my complaint is without merit. ACA has provided me with a copy of a consumer credit transaction which appears to be a deceptive form. Therefore, ACA has failed to provide me with the opportunity to validate this alleged debt and is continuously harassing me about this alleged debt. ACA has also used obscene and profane language by saying that, I requested to cease payment reminder calls, although I specifically stated to cease and desist communication through any and ALL mediums. I hereby want to make this clear, you may not mail me about any collection of any alleged debt, you may NOT repossess my vehicle, you may not mail me any notices until you provide me absolute proof that I in fact owe ACA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The credit card company decreased my credit limit after a pristine payment record and paying off the card in full. It took my balance from {$1200.00} to {$250.00} credit limit. 

The credit card did not notify me of this change or the reason for this change. 

This action has greatly negatively impacted my credit scores.

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 2022-02-05 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank has called my number numerous of times looking for my son not I and Ive asked them several times to remove my number from their call system I am not a user on that account nor is my phone number on that account at the point its affecting my health and they continue to call harassing me at all hours of the day and night

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Social Finance, Inc.
State: NY

Complaint narrative:
On approximately XX/XX/2021 I applied and was approved for a credit card with SoFi, through an online advertisement on the XXXX XXXX website offering a {$200.00} welcome bonus in the event of {$1000.00} spending on the card. I completed the application through the link on the website. I satisfied the {$1000.00} spend within 2 weeks after I got the card. My welcome bonus has never been received. 

When I contacted customer service they said they were submitting it to the " back office ''. 

When I contacted the " CEO office '', they said that they could not issue the bonus because their system did not show that I had made the application through the XXXX XXXX link.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
It is regarding Community Loan servicing First my investment home mortgage was with Home point, they sold to Community servicing. we set up Autopay with Community loan servicing from my Bank for my mortgage on XX/XX/XXXX, I received a notification letter that the autopay was setup on XX/XX/XXXX, since i received the communication about autopay i didn't check my account. I applied for refinancing of my primary home on XX/XX/XXXX and i found out that my credit score dropped significantly about 160 pts because of 2 missed mortgage payments for Community loan servicing. I called the Community loan service and was able to talk to Escalation dept as i didnot recieve any notice, who told me that my autopay was cancelled and a letter was sent to my address which i got on XX/XX/XXXX, on the letter it was dated XX/XX/XXXX. I am not at fault and Community service reported to Credit Bureau and caused my score to drop 150pts. because of their negligence i am going through mental stress as many of my projects that need loan are on hold. I requested them and they told me that credit score will be corrected in 2 days, but didnot happen yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
To start, ( A ) signing in is made difficult by the company rushing the security code process. Once signed in, ( B ) the website no longer allows me to pay. Recently the automated pay by phone has been made difficult by 1 ) rushing the security code process 2 ) removing stored bank information. 3 ) Rushing the confirmation number which is twice as long as any other card and not giving the chance to listen again to confirm the number is right. This lead to ( C ) excessive wait times to talk directly to a representative who after 1 ) rep took payment failing to give confirmation number. 2 ) rep did not send my payment. 3 ) non payment lead to a late fee with interest. 4 ) lack of taking payment also lead to a lowering of my credit limit which put me instantly over the limit. All this HSBC sent to the credit bureaus that smears and lowers my XXXX  score which in turn they use as a weapon to extract more money from me. Also HSBC credit card customer service is a fraudulently put me on wait for 2 hours holding for the Disputes Dept then cut me off. Another time after hours of wait, another HSBC rep transfered me out to a medical insurance provider. Another time I was told that the disputes dept. is not contactable, only to have disputes contact me 3 weeks later as if to start a dispute I spent days already talking about. My balance remains uncertain, blame and costs have been shifted to me unjustly under the cover of valid reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2022-02-05 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: CA

Complaint narrative:
Called Customer service during XX/XX/XXXX. The reps all noted that I have satisfied the purchase requirement required for the XXXX XXXX XXXX account Promotion of 50,000 points ( {$3000.00} purchase within 120 days of account opening ). The rep sent this request for further " research ''. 

However, after few weeks, I received letter stating that I did not meet the requirements. 

Called Customer service again during XX/XX/XXXX. The reps all noted again that I have satisfied the purchase requirement and will send it for further " research '' one more time. However, it is still not resolved after several weeks. 

XX/XX/XXXX Account Opening Purchases Made from : XXXX {$120.00} XXXX {$2400.00} ( Purchases ) XXXX ( Credit ) = XXXX XXXX {$530.00} Total {$3000.00} I have satisfied the purchase requirement way before the 120 days, but their " research '' kept saying I did not meet minimum requirement. They have continuously ignored a detailed manual calculation and only relied on their system number which is in error by their " research '' team.

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 2022-02-05 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: MI

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-02-05 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: GA

Complaint narrative:
I checked my credit report, and I noticed some inaccurate information on my account from XXXX XXXX XXXX I've never had a late payment associated with that account I contacted the credit reporting agencies and notified them of the inaccuracies, but they did not fix the inaccurate information.

Company response to consumer: Closed with explanation