vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX I spoke to a US Bank representative by calling theXXXX number listed on their website. XXXX the representative that I spoke to said that I qualified for the XXXX  dollar sign-up bonus. 

When signing up I had used the promo codeXXXX. XXXX verified that my account was eligible and that the direct deposit made on XX/XX/XXXX and XX/XX/XXXX would qualify for the bonus. She said that I didn't have to worry and it would post to my account within 60 days from the XX/XX/XXXX date. She told me the XXXX direct deposit on XX/XX/XXXX and the XXXX direct deposit on XX/XX/XXXX qualified me. 

On XX/XX/XXXX, I called in and was checking the progress of my bonus. I spoke to a nice associate who told me that the direct deposits I made were not eligible even though I was told by an associate on XX/XX/XXXX that my account had qualified. She transfered me to her manager. Who to be honest had very bad phone quality ( teleworking ). She then told me the bonus wasn't awarded because it was for only new customers. This in itself is an outright lie since the terms clearly state " Offer is not valid if you or any signer on the account has an existingU.S. Bankconsumer checking account, had aU.S. Bankconsumer checking account in the last six  months or received otherU.S. Bankbonus offers within the past 12 months. '' I am not in violation of this since my last US Bank account was closed on XX/XX/XXXX. XXXX or XXXX, I couldn't quite catch her name directly lied to me and was very aggressive when I told her that I was correctly following the terms and conditions and this was a legal issue and I would raise it with the Consumer Financial ProtectionBureau. 

If I was in fact not eligible I should have been directly told this on the first phone call on XX/XX/XXXX. Because I was misled on the phone call I believe that US Bank should act in good faith. All calls are recorded and I request that you review them. I believe at this time US Bank has acted in a bait and switch scenario. Please review this calls to train your customer service representatives and make sure they are educated correctly. Your customer service manager should not be spouting direct lies about qualifications.

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 2020-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2015, I purchased a used XXXX XXXX  and financed the purchase via a loan from Credit Acceptance Corporation. Upon review on the loan terms, I noted that the interest rate charged by Credit Acceptance Corporation is above the usury rate for Texas, the state I purchased the vehicle in, originated the loan in, and in which I currently reside. 

I contacted Credit Acceptance Corporation about this issue ; however, they refuse to acknowledge the fraudulent loan or make any effort to resolve the situation. 

I believe Credit Acceptance Corporation and its agents have discriminated against me on the basis of race, country of origin / nationality, sexual orientation, age, and gender. Furthermore, I believe Credit Acceptance Corporation is structuring its loans in a way that constitutes unfair, deceptive, or abusive acts or practices, as the loans interest is above my state 's usury rate and is charged as an up-front fee, and therefore prepaying the loan does not result in a reduction of total interest charged. Also, Credit Acceptance Corporation violated the laws of the State of Texas by issuing this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
This complaint is a follow-up complaint to CFPB complaint # XXXX and now complaint # XXXX due to the inaction and lack of communication by HSBC. What I said was going to happen has happened ; in my first CFPB complaint to HSBC on XX/XX/2020 I said " I strongly believe that HSBC is trying to wait me out and want me to give up, or at least wait until my checking account reaches to {$0.00}. '' My account has finally reached to {$0.00}, in fact, even a negative balance. Based on a response by XXXX in response to my second CFPB complaint, a check in the amount of {$1400.00} was sent/generated on XX/XX/XXXX. XXXX said that it would take 7-10 business days for it to arrive. When 7-10 business days passed, I tried to maintain communication with XXXX, which had large gaps in her responses and no responses through email recently. During my wait with XXXX XXXX had to call customer service multiple times, with every time having no results. It is now XX/XX/2020, almost 2 months after the check was supposedly " sent/generated. '' The lack of communication or reassurance that my funds would be given back to me as continued to lengthen this ordeal for me and has appalled me beyond belief. I have done everything on my part during the fraud investigation, which took an unnecessary number of months with the fraud department trying to shift blame to me when I was the one that had to bear the brunt of communication by calling them every time, since no one was calling me back. I have had well over 40 lengthy calls with HSBC trying to keep me informed about my money and my account and now it looks like the struggle that I had with the fraud department is now happening with the customer relations department. I have checked my mail every day. I have been put on hold for hours on end. I have maintained hope in HSBC that they would keep to their word give me a great banking experience, but so far it has just been a living nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank lies to me their executive office writes me emails never calls me leave voicemails they never return my calls very rude to me and I told them dont debit card is not the same as it was contactless tap pay technology they are horrible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with XXXX. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Assist Plus LLC
State: VA

Complaint narrative:
I have been getting billed {$29.00} every month for the past 4.5 years from a firm called XXXX XXXX XXXX XXXX XXXX They have mentioned that they were affiliated with XXXX XXXX. This has been extremely frustrating and due to this pandemic, this is definitely not helping financially. The message below is a short message intro. when I first joined : " Date Type Detail Action XX/XX/2015 Welcome Hi XXXX, Thank you for your enrollment in our service. We are pleased to have the opportunity to provide you with exceptional customer service and support. 

Please do not hesitate to contact us should you have any questions. Toll free customer support line - XXXX Sincerely, XXXX Customer Service ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX I attempted to get a XXXX increase line of credit on my Capitol One Visa Card. 
I have a XXXX limit. My pet is having XXXX and the cost is over XXXX. I own my home outright and my XXXX  XXXX XXXX vehicle. My credit score is in the XXXX mark and has been for over a decade. I have no outstanding debts. I am retired on a monthly XXXX pension after taxes. On XXXX I ran up a XXXX charge on the capitol One card and paid off the entire amount within 12 days of making the charge. 
I tried online for a credit increase and was offered only XXXX. I called the credit card company but was told there was nothing they could do for me. 
This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have attempted to have a fraud alert removed from my credit file. I have never requested a fraud alert to be placed on my file and my constant requests for the removal have not been addressed. I have made several attempts and there is no live contact with Experian. I submitted the request in writing and the alert has still not been removed. I attempted to submit the request online but the system shuts me out and gives me an error message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX AND TRANSUNION ARE REPORTING ERRONEOUS BANCRUPTCIES ON CREDIT REPORT. AFTER CONTACTING XXXX XXXX, IT WAS DISCOVERED THAT THESE BKS DID NOT BELONG TO XXXX XXXX. THESE WERE FROM EX-SPOUSE WHO OWNED A BUSINESS IN HIS NAME AS A SOLE PROP, XXXX XXXX DID NOT FILE FOR BK XXXX OR BK XXXX AND NEVER OWNED A BUSINESS. 
AFTER DISPUTING THESE PUBLIC RECORDS WITH XXXX   AND TRANSUNION WITH PROOF OF THEIR WRONG REPORTING, XXXX  RESPONDED WITH STATEMENT THEY HAVE CONTACTED THE COMPANY REPORTING THESE ( US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) SEE ATTACHED- WHO CERTIFIED TO THEM- XXXX THAT INFORMATION WAS CORRECT ... AFTER CONTACTING THE US BKPT COURT, IT WAS STATED IN WRITING THAT THEY DO NOT REPORT OR VALIDATE THIS INFORMATION TO XXXX. THUS, VALIDATION STATEMENTS MADE BY XXXX IN WRITING ARE FALSE AND ARE IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON MULTIPLE COUNTS. 
TRANSUNION IS STILL REPORTING THESE ON THE REPORT AND STATED THAT FURNISHER HAS NOT RESPONDED TO THE DISPUTE WHICH WAS MADE BACK ON XX/XX/XXXX, HAS PASSED STATUTORY AMOUNT OF TIME REQUIRED FOR THE CREDITOR TO RESPOND TO THE DISPUTE THUS, ALSO IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
PLEASE HELP TO KEEP CREDIT REPORTING AGENCIES IN COMPLIANCE AND STOP THEM FROM INTENTIONALLY DAMAGING CONSUMERS ' CREDIT REPORTS AND RATINGS US BKPT CT CA XXXX XXXX Identification number XXXX US BKPT CT CA XXXX XXXX Identification number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC
State: UT

Complaint narrative:
In XX/XX/2020 I began receiving calls from a " collection company '' that would not identify itself regarding a " past due '' amount owed to XXXX for my business domain name. I called XXXX to inquire and they confirmed all of my accounts were current and that they do not use collection agencies. 

In XXXX I continued receiving phone calls from this collector, and today received an invoice from them : Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL XXXX I know this is a scam but still have concern they can report this false information to credit bureaus. I don't want that headache! 

I'm not sure what you can do, there must be hundreds of scammers like this one, but wanted to report it anyway. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
The first letter XX/XX/XXXX i disputed letter to buckeye credit solutions XX/XX/XXXX two days after they eft {$180.00} from XXXX  acct. Prior to 30 days just wanted to state this company Checks mart & Buckeye credit solutions clearly violated FDCPA laws pertaining to disputes and the 30 day window was not honored there is no valid response? 
# XXXX XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX   XXXX  understands and acknowledges your concerns. The Ohio Attorney General sent your complaint to XXXX  of XXXX Ohio because Community Choice Financial is an accredited business with XXXX  of XXXX Ohio. 

If you would prefer that a government agency handle your complaint, as the issue appears to involve alleged violation of Fair Debt Collection Practices Act, you can ask XXXX  to refer the complaint back to the Ohio Attorney General 's office. 

Or you can continue with XXXX  processing, in which XXXX   provides the accredited business the opportunity to addess the complaint issues. 

In either instance, you may also wish to contact the Federal Trade Commission ( FTC ) as they are the governing body with jurisdiction and enforcement of complying with regulations in place regarding the Fair Debt Collection Practices Act ) FDCPA ) XXXX  appreciates your time and understanding. 

Regards, XXXX XXXX XXXX  of XXXX Ohio XXXX XXXX Mon, XX/XX/XXXX XXXXXXXX XXXX That is why I started with XXXX XXXX atty general XXXX XXXX As soon as XXXX   has received the business response, we will forward it to you for your review. 

Please understand that XXXX  is not a government agency nor do we have enforcement powers over regulations of Fair Debt Collections Practices Act ( FDCPA ) ttps : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If you have concners regarding compliance with FDCPA, you may want to contact the Federal Trade Commission . Below is their contact information : https : //www.ftccomplaintassistant.gov/ https : //www.consumer.ftc.gov/articles/debt-collection-faqs XXXX, XXXX XXXX XXXX of XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/20, I contacted Macy 's about the 4th letter that I received about a denial of my request for a credit limit increase. I spoke with several representatives and was told that I had a fraud alert on my account and I insisted there was no fraud alert. I advised that I had spoken to all of the bureaus and was assured there was no alert. I still wasn't provided the chance to get an increase to the original limit that I had when I opened the account. I spoke to a representative who pretended to call my phone number on file but no call came to the phone and he closed my account. I called back in upon learning that my account was closed and requested that it be reopened but the supervisor that I spoke to told me it couldn't be done due to outside reasons which was what I had been told about the credit increase. I then received an alert from XXXX that my credit file had been accessed and it was Macy 's. All of a sudden they could access my credit file. I feel that I was treated poorly by Macy 's and their customer value is at an all time low.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have submitted multiple disputes with Experian credit reporting because I had a debt from XXXX XXXX XXXX that i have paid off in full and have supporting documentation proving from the debt agency that the debt was paid in full as of XX/XX/20. They have failed to remove and no one is getting back to me. I am one person doing right paying off my debt but experian is failing to do their part and report correctly as debts get paid. 
The dispute department fails to respond and report accurately this is a problem especially when people like me pay debt off and it takes for ever for our scores to go up because people fail to do their job correctly. I need this taken care of asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I bought a new vacuum cleaner from a company out of XXXX, Texas. Their name is XXXX XXXX XXXX XXXX. Their clientele are people with bad credit. When you finance something with them, there are all the hidden fees, insurance fees, {$50.00} for this {$20.00} for that and an interest rate of 45.51 %. 
When you are down on your credit score, the
y help you to stay down. Three credit checks in 1 week, my Credit score dropped 10 points. 
Oh, this company does not put any of your account information on-line you have to go their website and " request '' a " Loan Ledger '' in order to get financial information out of them. 
The price of the vacuum cleaner was XXXX with all their hidden fees, finance charge, payments for 2 years, the total cost of the vacua cleaner will be {$1200.00}. DOUBLE the cost of the vacuum cleaner. 
So my monthly payments are {$51.00} for 24 months. 
My first payment was for {$300.00} and I ask for a " Loan Ledger "  and received it. 
My second was a payment of {$500.00} with XXXX XXXX debited my account on XXXX XX/XX/XXXX, and Conn 's accepted payment on XXXX XX/XX/XXXX. As of today XXXX XXXX they have not credited my account. It probably didn't help that I was going to get a lawyer and sue them. 
I use XXXX XXXX/XXXX  bill pay. Never had a problem with any of my payments until now. I assume that they are holding my {$500.00} deposit so that they can say that I did not make a payment and charge me a late fee. I am trying to pay them in full, but they are not cooperating. 
The solution is I need and up-to-date balance AND for them to credit my {$500.00} payment. 
I XXXX  military, 35 years, I have XXXX and they are treating me like a second class citizen. And yes the law suite is coming.

Company response to consumer: Closed with explanation