vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 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: GA

Complaint narrative:
I saw an offer in the client online portal for American Express for the XXXX XXXX card with a promotional offer of 0 % APR for 15 months. I have two cards with American Express already and have never made a late payment nor closed any cards. I was immediately approved for the new card with a {$15000.00} credit line. A few weeks later I saw interest charges on my account and called customer service. They informed me that the 0 % APR offer was revoked. 

I had not been given notification from a pop-up nor email or secure message that I was ineligible for this offer. I read the TOS and did not find anything regarding ineligibility. Customer service was rude to me and refused to help. As a consumer, this feels to me like a bait and switch. 

As it stands, there is currently a promotional offer for the XXXX XXXX XXXX card at 0 % APR for 15 months in the client portal, so even now, there is a highly misleading offer being falsely advertised to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this 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 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

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 2021-10-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that these SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX and SEQ FIN SVCS ( Original Creditor : XXXX XXXX XXXX ) - Account Number : XXXX were reporting to be negative on XXXX and XXXX Credit Bureaus. I tried contacting the XXXX and XXXX Credit Bureaus requesting to provide verification of their companys HIPAA authorization and proof that they have not abrogated my rights under the HIPAA Privacy Rule. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Pending my receipt of proper documentation and in accordance with federal statutes, cease and desist reporting to the credit bureaus. Delete these collection accounts pronto.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: Frost-Arnett Company
State: TX

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom it may concern l have been disputing this debt numerous times, ( XX/XX/XXXX ) with XXXX, also with the debt collection agency ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to no avail, mail was returned ( see attached ) when l called, l was told numerous times that name on the account and my name does not match, therefore they would not speak to me. ( Whilst still reporting the same account to my credit profile ) This debt collection agency playing tricks and re-ageing account as if l just opened the account ; ( see attached ) it was reported to XXXX in XX/XX/XXXX that l owed {$7700.00}, whereas ( Cach LLC ) would not talk to me about same debt, l try to sue in XXXX XXXX XXXX small claims court l was told, l need to file report with CFPB, then l can sue for misrepresentation and FRAUD. 
l want ( CACH LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, SC XXXX Phone ( XXXX ) XXXX ) to seize reporting unconfirmed debt to my credit profile and seize all collections, till they can proves said account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: The CMI Group, Inc.
State: TX

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this 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 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Email sent to Bank of america complaint department. 

Hello, I filed a claim approximately a week ago. I expressed the importance of receiving claim information and was assured receiving relative information by mail and/or visiting a local branch would be possible. The claims department advised that info could be emailed to the branch and I could retrieve it there. 
Upon my last call 4 days ago, the letter of claim ( s ) had not even been requested to be generated. There has been much inconsistency from reps on how and why I have yet to receive this vital information as I was to receive funding upon review of my bank accounts. The fraudulent charges, insufficient funds data along with negative balance status immediately kills eligibility. I explained this to the original claim rep as well as 3 others after. 
I requested a partial provisional credit to bring the account to zero balance as that would display a claim in progress as the claim letter seemed to be a time variant not in my favor. I have yet to receive info on a provisional request ( was told 24 to 48 hours ) before I would get a decision. I had 2 accounts affected with a total of almost $ XXXX. This was realized in full upon returning back to business after 3 weeks from a household covid nightmare!

I need assistance from my banking institution. Please BEFORE I COULD PRESS SEND_THE AGENT I WAS ON HOLD TOLD ME CLAIM WAS DENIED!! 

Reason : Cardholder should have seen charges and been more aware???? 
Then tell me to call XXXX! 
No one at Bank of America contacted XXXX. Contacting them is almost impossible! 
please help

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 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX. Santander Consumer USA is the bank that was used for the finance charge. Santander Consumer USA is attempting to collect a debt. This is a violation of my rights pursuant 15 usc 1692 ( b ). Being that XXXX XXXX violated 15 usc 1605, ( did not include insurance in my finance charge and also took cash as downpayment ) the contract is null and void. Santander Consumer USA sent me a notice with a witten line stating " this is an attempt to collect a debt '' which is a violation of 15 usc 1692 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I got a capital one credit card and I didn't know I needed to pay the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. Block and remove them. 

1.XXXX XXXX XXXX XXXX XXXX 2 . XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX 6. 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 non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA

Complaint narrative:
I didn't realize that my identity was compromised until I started trying to acquire credit and started getting denied. My ex husband XXXX XXXX or the car salesman at the time added me on a car loan without my consent, I absolutely had no knowledge that I was on this loan. The payments were being made on time up until 2020 that's when I started getting denied for everything.

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 2021-10-04 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: TN

Complaint narrative:
I disputed items oh my credit report all three credit. Collections and inquiries were removed from XXXX  and XXXX but not Equifax. How is that possible? I disputed via Equifax alone and still same results items will remain. I've uploaded screenshots of my report. There's a huge difference. I have 5 total with XXXX and same with XXXX. With Equifax that's maybe 10 or more and I've disputed but remain and removed from the other 2. Also 2 collections on both XXXX  and XXXX but many on Equifax. I advised Equifax There's no way I was looking for a mortgage after XX/XX/2019. I bought my home in XX/XX/2019 so why would I look for a mortgage in XXXX or whatever months. Also, they will not removed any of the loan inquiries that I didn't do. I applied for a Loan once XXXX XXXX which I was approved and currently paying. Anything other than that I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I lease a car using Hyundai Motor Finance, I joined the military and did a early lease termination. A year later Hyundai motor finance report 3 payments over 30 days late, after numerous phone calls, I contested it with the credit bureaus and 2 of the three were removed. Now however they refuse To remove the final late payment which is incorrect information because I was never late. Ive sent 2 certified mails with a copy of my credit report, a copy of my payment history that I got from their website and my bank statement showing date of payment but havent gotten any letter back and when I call costumer service they are saying they have no phone number for the credit reporting dept.

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 2021-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/XXXX I cosigned for my son XXXX XXXX on a purchase for a XXXX XXXX XXXX XXXX, within three weeks of the purchase of the vehicle it broke down and could not be fixed per the dealership, My son put down a {$500.00} deposit which he lost, and the vehicle was turned into the dealership. The loan was financed through capital one auto, and I repeatedly called them to The dealership has possession of the car because it could not be repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: CA

Complaint narrative:
I have contacted XXXX over 123 times and have disputed with experian 21 times by all forms mail, over the phone, and even fax that I have never lived at the address or have had a vehicle leased with any other individual or have never lived in any other city. Also I have provided documents that I have never lived at the address this creditor is allegedly stating. I have requested the original signed contract as well as what documents were used to prove that this inaccuracy is allegedly mine and have never ever received it how can this inaccuracy continue to hurt my credit worthiness, this company and my credit bureau has failed me and has even caused me to contemplate suicide due to this erroneous error on my credit file.

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 2021-10-04 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: NJ

Complaint narrative:
I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, 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 2021-10-04 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: NJ

Complaint narrative:
I have noticed multiple accounts on my report I do not recognize two time each XXXX XXXX  XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability

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