vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I disputed medical bills for the last 8 months with collection bureau and  collection agency asking to validate the debt. Finally after 8 months a letter was sent to me in direct violation of my rights according to hippa law. A law designed to provide privacy standards to protect patients medical records and other health information provided to health plans , dr or other providers. Hippa prevents any medical documentation to be shared. when the debt was sold the collection agency or firm that is all they got the debt, no details, just the dollar amount and the date that it was acquired.My signature is signed on terms of agreement XX/XX/XXXX these debts date back to XXXX and still it does not say that they will give out my personal information to credit collection agencies and bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
After ordering from XXXX they suspended my account. They sent me this info in an email that you can not reply back to. Routing : XXXX Business Account Name : XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Account Phone : XXXX EIN : XXXX The funds were taken from my business account and I never received any of the items I purchased. I called Telecheck and they told me I had a negative remark on my drivers license from an account with XXXX XXXX. My drivers license is from the state of Kentucky and the number is XXXX. Upon hearing this I call XXXX XXXX  because I have never had an account with them. They pull up all of the info and tell me they dont show anything. I want to know wh is lying and has fraud been committed against me?

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 2020-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to Transunion, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from Transunion, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to Transunion, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; Transunion, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.

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 2020-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
An account was fraudulently opened with Speedycash by an identity thief and the debt was turned over to XXXX XXXX debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I checked at the XXXX website to see if my stimulus payment had been deposited into my account on XX/XX/2020 the IRS deposited my money into my American Express Serve account on XX/XX/2020 the money is not showing on my bank balance an American Express is saying they don't have any idea because they never received the deposit I was told to contact the IRS so I called back to the IRS and was told that the deposit was made on XX/XX/XXXX into the account with the account number that I provided and they don't know anything more or can't do anything more about it I double-checked the numbers to make sure that they matched and that they were correct and that it was my account that the money was deposited into and they matched so I call American Express back and relay this information and they told me that they never got to deposit they couldn't do anything about it and that I have to call the IRS I'm very frustrated because it seems like this is happening before cuz they already had a response right away it sounded like it was a script so I go online and I start looking and there's hundreds of people that are having problems with their direct deposits with the same company in the same way that I'm having the problems and American Express is just not doing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: OH

Complaint narrative:
This complaint is about the reporting of my credit score through transunion credit bureau. On XX/XX/2020 my score was updated and NO new negative changes were reported. There were two new positive changes, 1 ) a hard inquiry was removed 2 ) a balanced decreased on a credit card. 
My score should have definitely went up or not changed at all. It shouldnt have dropped 53 points. 
I reached out to transunion on XX/XX/2020 and all the girl could tell me is its because you have a inquiry on your report from XXXX. That is old and has nothing to do with my score reporting at the time. As its already accounted in my score.

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 2020-05-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello to whom it may concern My name is XXXX XXXX XXXX I have filed a previous claim in regards to synchrony bank where they falsely used my wifes name and not mine without her permission, then lied they did it. In return lowed my credit score 50 points and they admitted fault and as a response from them and cfpb synchrony said they would re raise my limit to XXXX and this was on XX/XX/2020 I tried to call XXXX XXXX at XXXX XXXX XXXX and she has a very long voicemail and never calls anyone back. Im trying to get what synchrony promises

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 2020-05-11 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: AR

Complaint narrative:
On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, Experian, and XXXX   via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, Experian, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, Experian, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and Experian must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609,  and 611. I will include a copy of my report with this complaint.

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 2020-05-11 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: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
On XX/XX/2020 I sent copy of my Federal Trade Commission # XXXX identity theft report to XXXX, XXXX, and XXXX  via mail explaining that I've recently have become a victim of identity theft and that several accounts including XXXX  XXXX, XXXX, Ar child support, Ar XXXX XXXX XXXX, and Mid-south collections were opened and or established without my knowledge or consent. Since my dispute today marks day 38 days total and I've yet to have heard or received any correspondence from XXXX, XXXX, or XXXX. I checked my credit report this morning and these same accounts still remain reporting on my credit report. I still have several addresses that are currently displaying that were requested to be removed during the same time my initial dispute was sent to XXXX, XXXX, and XXXX. Since it has bee over 30 days and I've yet to receive any nor accurate verification period, Per the Fair Credit Reporting Act ; XXXX, XXXX, and XXXX  must delete all of the fraudulent accounts from my credit file and send me an updated copy after the deletions have been made. I exercising my rights per section 605b, 609, and 611. I will include a copy of my report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Dear CFPB staff, I visited the HSBC XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Branch on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX. The three visits were made in order to open a new Fusion First Business Checking account during the HSBC {$350.00} bonus promotion period. 

A personal banker named XXXX XXXX XXXX helped me finalize the opening of my account on XX/XX/XXXX and an opening deposit of {$5000.00} was made on that date. The bonus promotion brochure I was handed by Mr. XXXX specifies the bonus requirements. Please see the attached scanned copy of the bonus promotion brochure. 

I met the requirements as follows : Made deposit in excess of {$5000.00} on XX/XX/XXXX I registered and first logged onto HSBC net on XX/XX/XXXX I met the 120 day period of having a minimum balance of {$5000.00} on XX/XX/XXXX Based on HSBC 's Terms & Conditions for this bonus, I should have received the bonus by XX/XX/XXXX. 

Upon not receiving the bonus, I called HSBC on XX/XX/XXXX and received confirmation that I met the requirements for the bonus and was referred to XXXX XXXX, the Premier Relationship Manager at the XXXX XXXX Branch for further assistance. 

Mr. XXXX and I made a conference call with another HSBC banker named XXXX on XX/XX/XXXX. By using Access Control for Account Services and using the Activity Log Filter, XXXX confirmed that I met all of the requirements for the bonus. 

On XX/XX/XXXX, I received an email from Mr. XXXX who stated : " I finally got your request approved. You can expect the deposit in your account within 4 weeks. I apologize for the delay but happy to report that you will be receiving the bonus. '' Please see attached copy of Mr. XXXX 's email. 

Mr. XXXX was nothing but persistent, responsive, kind and helpful during this process. However, I do not find it acceptable that the HSBC back office will not credit my account with the bonus I was promised that I should have received by XX/XX/XXXX based on the Terms and Conditions of the bonus promotion brochure. Waiting another 4 weeks from XX/XX/XXXX, with the hope of possibly receiving my bonus is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I HAVE BEEN A MEMBER OF AMERICAN EXPRESS FOR 36 YEARS. MOST RECENTLY MY ANNUAL MEMBERSHIP FEE HAD BEEN {$55.00}. ON XX/XX/2020 I RECEVIED MY MONTHLY STATEMENT WHICH SHOULD HAVE HAD A CREDIT BALANCE OF XXXX CENTS. TO MY AMAZEMENT, THERE WAS A ANNUAL MEMBERSHIP FEE OF {$150.00}. THATS A {$90.00} INCREASE. WHEN I CALLED INTO AMERICAN EXPRESS TO LODGE MY COMPLAINT, I FELT LIKE - O WELL THAT'S WHAT IT IS. I WAS ALSO INFORMED THAT THEY EMAILED ME A NOTICE OF THE INCREASE. I REVIEWED MY EMAIL, SPAM AND TRASH FOLDERS AND THERE WAS NO NOTIFICATION IN ADVANCE UNTIL I RECIEVED MY MONTHLY BILLING STATEMENT. 
I UNDERSTANT THE POSSIBLE NEED TO INCREASE RATES, BUT NOT TO THE DEGREE THAT OCCURED. 
I WOULD BE INTERESTED TO UNDERSTAND IF YOU HAVE RECIEVED ADDITIONAL COMPLAINTS ABOUT AMERICAN EXPRESS. I AM REALLY DISAPPOINTED SINCE I ENJOYED THE SERVICE THEY HAVE PROVIDED FOR THE LAST 36 YEARS UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX!, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: IL

Complaint narrative:
XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Federal Trade Commission has stopped a student loan debt relief scheme, alleging it bilked more than {$23.00} XXXX from thousands of consumers with false claims that it would service and pay down their student loans.XX/XX/XXXX XX/XX/XXXX - The University XXXX XXXX ( XXXX ) and its parent company, XXXX XXXX XXXX, will settle for a record {$190.00} XXXX to resolve Federal Trade Commission charges that they used deceptive advertisements that falsely touted their relationships and job opportunities with companies such as XXXX XXXX XXXX, XXXX, XXXX, XXXX, ... 
XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} XXXX penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11 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: IL

Complaint narrative:
XXXX added a statement to my student loan, that I was in deferment and affected by the natural disaster - COVID-19. They removed the statement though I am in forbearance until XXXX. This caused a 42 point loss to my credit score.

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 2020-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
i sent the following to paypal in XXXX " On XX/XX/XXXX I was informed by Paypal that they were closing my account from sending and receiving money anymore and any money in my account will be locked for 180 days. This is unfair and I was given no reason other than what seems to be because my mother was sending me large amounts of money to cover my expenses. This is unfair and I want my account reopened or at least release my money now '' then the company responded " Company 's Response On XX/XX/XXXX, you created a PayPal account ( Account ) at which time you agreed to PayPal 's user agreement ( User Agreement ). In order to prevent fraud and help ensure the safety of the PayPal system, PayPal routinely reviews account activity. On XX/XX/XXXX, we carefully considered a number of factors that, when viewed together, indicated there was a high level of risk associated with your Account. As a result, we decided to cease offering our services to you as permitted under the Restricted Activities & Holds section of the User Agreement. We notified you of this action through email the same day. Per the aforementioned section of the User Agreement, Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. Pursuant to the abovementioned section of the User Agreement, PayPal may hold your Account balance for up to 180 days, if reasonably needed, to protect against the risk of liability and refuse to provide PayPal services to you in the future. We will make any remaining funds, less reversals, available to you on or before XX/XX/XXXX. 
ATTACHMENTS CFPB Response - XXXX XXXX XXXX ) .pdf ( 66.7 KB ) ' it has been XX/XX/XXXX already and paypal has not released my money and i can't get through to them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I have two collections on my account for the same amount from the loan originator XXXX XXXX XXXX the 1st loan was an auto balance of {$5800.00} I settled with Keynote Consulting who took over charged off loan balance for {$5000.00}. Which was paid by certified cashier check # XXXX that was paid to XXXX XXXX XXXX  on XX/XX/XXXX. Now the balance sits on my credit report under XXXX  for {$830.00} which was not collection agency told me that I could settle this debt for 80 % off outstanding balance. I also paid a credit card balance that was issued by XXXX XXXX XXXX that was sold to Keynote with a balance of {$430.00} which was paid in a settlement amount on XX/XX/XXXX for {$340.00} this inaccuracies is impacting my credit and has caused me not to be able to receive open lines of credits. I have submitted a notarized letter to credit agencies with copies of paid cashier checks. I need for XXXX XXXX XXXX to update balance to XXXX and Keynote consulting collection to also update balance to 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 2020-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Hello, I purchased furniture from Arhaus on XX/XX/XXXX and XX/XX/XXXX with total XXXX with a 6 months promotional ( I was told to make equal 6 months payments and no interest will be charged ) I do that with other companies with no problem, so it wasn't the first time. 
Starting my first bill, I made equal automatic payments for more than the amount needed to ensure no issues in my billing. The payments were automatic for {$1200.00} every month. 

The automatic payment are paid on the bill due date ( that was the option on the company 's website ) Equal payments were made through XX/XX/XXXX automatically and properly deducted, until I receive a new bill on XX/XX/XXXX showing finance charges of {$830.00}. 

I contacted the credit card company on XX/XX/XXXX and they said that I had to do my last payment manually because the automatic payment doesn't reflect it on the correct date. 

At this point, I am not sure what are my next steps since I made proper payments on the due dates but they are overcharging me {$830.00}. I appreciate your assistance.

Company response to consumer: Closed with monetary relief