vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Received invitation in the mail to apply for the amex XXXX  card. Applied online where the terms mentioned you receive XXXX points after spending XXXX usd. I completed the spend, while meeting all terms and conditions but was told I will not be receiving the bonus points. I was told the offer was not attached to the account because I had closed an amex card before. The account I closed was after keeping for a year and wanting to switch to a business version of that card. 
That is not a valid reason according to the terms to deny a bonus, for a card that I applied for only for the bonus after I received personal mailer advertisements and online ones for the offer. I was not informed at any point that I will not be getting the points until I inquired myself after I got the card and spent the money based on their advertisement

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Just in case Discover do not or ignore to an

swer again, I will summarize for you again and ask the question. Since I do not get answers for the past three months when I asked million times. 1. Send me all the statements from XXXX  which need to show my payment as well. 

2. Admit that it is fraud that " ur records confirm that we attempted to contact you by phone 99 times from XX/XX/ to present to assist in the repayment of your account. '' because I have a email from you guys that I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: NJ

Complaint narrative:
During an application for a business credit card with XXXX, a hard inquiry was performed against my Transunion Credit Report. The Application was later denied due to the bank being " unable to obtain a valid credit report ''. Which was later confirmed during multiple calls with XXXX. I have discussed the issue with the bank and the Transunion, each continues to tell me that they are unable to resolve the issue and to speak to the other party. 

XXXX has told me they do not provide " deletion letters '' in order to have a inquiry removed from credit reports, and Transunion has told me they are unable to submit " disputes '' on hard inquiries without the bank providing the deletion letter. 

During my last conversion with the Bank I was told to call Transunion in order to have the issue resolved ( told to do this on 3 different occasions ). When I called Transunion the last time I was told to fill out a report from the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: VA

Complaint narrative:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : REC MGM SYS, Account Number : XXXX. 
I would like for REC MGM SYS to show proof of verification that I owe them {$590.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: SunTx Capital Partners
State: TX

Complaint narrative:
Freedom truck finance Account was opened on XX/XX/XXXX As a joint account with me and my son. Not sure exactly the date it showed as a delinquen account on my credit report, but was Charge off and closed on XX/XX/XXXX. On XX/XX/XXXX freedom truck finance changed account number on loan and posted it back on my credit report showing account past due and delinquent. Submitted dispute with XXXX XXXX on XX/XX/XXXX and report returned as all information was verified as true and accurate.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/2021 I XXXX XXXX applied for a Capital One credit card, I supplied my SS # which is my open end credit card, I was denied in direct contradiction the Consumer Protection laws which were enacted by Congress ; FDCPA, TILA, FCRA to protect the consumer. I responded to the Adverse Response letter which was sent by Capital One explaining as much, to this day they have not responded. The letter details their violations of the laws, and includes the remedies I seek. The documents were sent Certified Mail # XXXX and was delivered XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I requested additional 6 months forbearance. This company only extended for 3 months. I need the additional 3 months forbearance approved. 

according with previous case # XXXX my request for additional 6 month extension was not mention according to the website that I documented. I am receiving 5 months of forbearance initially. I am needing additional 6 months of forbearance to include XX/XX/2021. I am requesting this assistance from this mortgage servicer by XX/XX/2021, according to the HUD website https : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This extension needs to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX a foreign check was cashed in my account. The check was not endorsed with my signature nor was it endorsed at all. The only way someone can cash a check into their account inside a branch is with a valid ID. Therefore, the check was cashed into the ATM machine at the bank. The bank returned the check and when I actually came into the branch to make a deposit I was informed that my account was overdrawn and closed due to the suspicious activity on my account regarding that check. I made a payment on my account for {$30.00} in XXXX and was told once I made the full payment my account would be reinstated, after learning I was a victim of fraud. I paid the rest of the outstanding balance this year ( XXXX ) and was given a receipt for the transaction. I also provided documentation related to being a victim of fraud in this matter. The documentation I provided is in regards to a very serious matter and it is included that I was also a victim of fraud regarding my bank accounts being compromised. All supporting documents from several XXXX county legal team departments were provided along with the name of the person responsible. I have made several complaints to the bank regarding this matter because they are not doing a thorough investigation on this case that they claim. Provide video footage of the exact date and time the check was cashed at the ATM to show proof of who is responsible for cashing that check. This is a MANDATORY request. Footage MUST be obtained in order to close this case and be resolved, as the camera footage is the MAIN piece that will HELP solve this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have continually tried to work with XXXX  to update my credit report, yet when my balances are exponentially decreased there are NO CHANGES TO MY SCORE OR XXXX DECREASES MY SCORE!! I WANT THIS PROBLEM FIXED NOW!!! NEXT STOP IS THE FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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/XXXX ATTN : Consumer Financial Protection Bureau Washington, DC This letter/request is for Consumer Financial Protection Bureau, CFPB, to try and help me with a problem. I have two XXXX XXXX personal loan accounts reported on my Experian Credit Report. The two accounts are XXXX and XXXX. Both accounts are identical in that they are with the same financial institution, same date opened on XX/XX/XXXX, same original amount of {$2600.00}, and the same terms of 48 months. The second duplicate XXXX account, XXXX, was somehow made in error or fraudulently. I have communicated that this second account was an error or as a result of misinformation to both Experian and XXXX XXXX, but have not yet received an outcome. 

Therefore, I decided to ask XXXX for proof that I opened this second account, XXXX. I hope they would have some documentation of this second duplicate XXXX personal loan. I made the first XXXX loan, XXXX, in person and signed documents in person at the XXXX branch location in XXXX, Texas. Since I had signed in person for the first XXXX loan, I thought the second duplicate loan and allegedly on the same day would also have a second signed set of signed documents ( if it existed ). 

I have tried calling, and I have tried sending letters for the proof of the second duplicate XXXX loan, account XXXX. Then after numerous phone conversations with XXXX  and numerous letters to XXXX, I finally received a XXXX response letter dated XX/XX/XXXX ( please see attached ) that my correspondence does not provide sufficient information to investigate your dispute. After numerous letters that have included many attached copies of my two credit-reported XXXX Accounts, this response of XXXX not having sufficient information is quite hard to believe. That there wasnt enough information to investigate is even harder to believe. 

At any rate, I ask that someone from CFPB to look at my attached documents and note that on my Experian Credit Report the two XXXX XXXX loan accounts have the identical date opened on XX/XX/XXXX, identical original loan amount of {$2600.00}, and identical terms of 48 months. 

What else can I do in an effort to receive proof of this second duplicate XXXX loan account? Please point me int the right direction. 

Thank you and appreciated. 

XXXX XXXX XXXX SS 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 2021-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told by an agent over the phone at Capital One that they had a promotional upgrade and if I upgraded my card I would get 12 months interest free. I asked the agent several times and in several ways if this works interest free also applied to the balance I already had and was told yes. I got my bill after upgrading and realized I had interest on the bill. I called and escalated the situation and asked for the calls to be reviewed and honor what I was told. After admitting that I was given the wrong information they said there was nothing that the are going to do. I told them to cut my card off. The proceed to bill me and accumulate interest in a " interest free card ''. Now they are trying to sue me in small claims court. They think because they are a big corporation that they can commit false advertising and not have to own up to it and now have the nerve to try an sue me. I am going to fight this all the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : AD ASTRA REC, Account Number:XXXX**. 
I would like for AD ASTRA REC to show proof of verification that I owe them {$850.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello I have or had a checking account with Wells Fargo and since its not my primary bank and have no active deposits they took it upon them selves to close out my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: On Q Financial
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I attempted to obtain a mortgage refinance from a conventional loan lender ( On Q Mortgage, Mortgage Lender Servicer License # XXXX ) on an existing mortgage held by a family member who deeded our home ( located in the state Florida ) to myself and my partner. 

The mortgage to be originated was underwritten to XXXX XXXX underwriting guidelines. XXXX XXXX  guidelines stipulate any outstanding judgements must be paid prior to or at closing. I am associated with two in rem judgements from the foreclosure of a property ( located in Illinois ) in XXXX. Per Illinois statute, I am not liable nor responsible for the judgements in question, as they were satisfied by XXXX of the property. The foreclosure these judgements related to was disclosed during the application process for the mortgage in question ( and the associated negative trade line removed from my credit file by XXXX XXXX XXXX as part of its settlement with the US government ). 

To close and fund the mortgage ( which had received a conditional approval ), a representative of the lender stated that I would need to bring {$3500.00} ( which it was not made clear how this amount was determined ) to closing to be disbursed at an unknown future date to the judgement holder if they could be located. I again communicated that the in rem judgements in question had ben satisfied, and requested what documentation would be accepted to demonstrate this. I was told by a representative of the company no documentation nor an attorney opinion letter would be accepted. I indicated that I was not interested in providing funds for judgements that were legally considered satisfied, and requested a refund of my appraisal that was ordered and required by On Q as part of the refinance process. I was told no refund would be provided. 

To confirm I was not responsible for the judgements in question, a judgement search was performed by XXXX XXXX XXXX, confirming no outstanding judgements existed. I have attached the title commitment XXXX XXXX XXXX provided, as well as the email from my attorney confirming this. 

I believe the actions taken by On Q violate the Consumer Financial Protection Act ( CFPA ) with regard to its prohibitions against unfair and deceptive acts or practices, as well as the legal doctrine of promissory estoppel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 {$9900.00} were wired from our deposit account at the USAA Bank, XXXX XXXX, Texas to and individual account at a different bank. We reported the fraud to the bank on that date. 
Since that date we have communicated with USAA numerous time to recover our funds. 
After two months the bank refused to reimburse our funds. We requested a written statement as to why our claim was rejected, They have refused to share their findings in writing. 
We escalated our claim to XXXX. After their review they escalated our claim to XXXX. XXXX have required documentation. We have provide extensive evidence of the fraud. Now XXXX wants a statement from USAA. As noted above we are unable to obtain such a statement. 
We have engaged an attorney, He have determined that we would need to sue the USAA to obtain their written findings/opinion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
My daughter 's creditor has been sending me debt collections emails ( addressed to her ) which contain her name, the the amount owed and the name of the creditor. My daughter did not give them permission to use my email nor to share information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
Description : I have an account with coinbase. I have purchased crypto currency with coinbase. I have been locked out of my account with coinbase since XX/XX/XXXX. I have called and have 5 ticketsrequesting each time to have my account unlocked. I have had no response, no resolution to date XX/XX/XXXX. I did notify coinbase if they did not give this matter there immediate attention last week I would be filing this complaint. I have been hung up on by coinbase customer service reps today XX/XX/XXXX which is what prompted this complaint. 

The issue is during the 2 step verfication I am able to put in my password and receive the text from coinbase. However, during the 2nd step coinbase is to send me an email to confirm to my email address on file. They are failing to do this. 
Thus I can not access my account. I can not even file a complaint with coinbase online because in order to do that you must receive an email to confirm your complaint and I am not receiving any emails from coinbase? I have many other accounts with other exchanges I can tell you this is the worst customer service of all by far. With all other exchanges online you can speak to a representative in a chat, an resolve simple issue like this. Not with coinbase. No one in customer service can and will do anything for you. You can hear people playing in the back round like this is a joke, unprofessional conduct. I am sure if it was there money it would not be so funny. For me this is a very serious matter. Coinbase is a company that represents US and billions in currency now and in the future the customer support and service is a 1 out of 10 because at least someone answers the phone that how they get a 1.This company has way to much money to have such poor training and human resources and customer support. I hope all my crypto is still in my account?

Company response to consumer: Closed with explanation