vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo credit card online account provided offer under my account that 10 % additional cash back ( on top of regular 1 % cash back ) on grocery purchase. This offer was provided under my Wells fargo account under 'WELLS FARGO REWARDS ' section. 
I added offer on XX/XX/XXXX to my account and made purchase of {$500.00} at XXXX XXXX XXXX on XX/XX/XXXX. 
Please see attached screenshot for the 1 ) Activated WELLS FARGO REWARDS offer 2 ) XXXX XXXX XXXX transaction using wells fargo credit card. 
3 ) XXXX screenshot confirming that XXXX is a grocery store I did not get the 10 % cash back despite following all steps. I spent several hours explaining Wells fargo customer service who are not unable to help and surprisingly most of the customer service has no knowledge on wells fargo rewards program. 
I called Wells Fargo customer service at XXXX on 3 times already ( twice on XX/XX/XXXX and XX/XX/XXXX ). 
I was asked to wait until statement generated and it has been generated over 2 weeks and still customer service is unable to help and resolve my queries. Most of the customer service do not understand WELLS FARGO REWARDS program so they kept transferring me to different group and once they connect me to right person, they hung up the phone in the middle of conversation or while they are researching the issue. 

My credit card statement has been already generated I am entitled to receive {$55.00} cash reward for {$500.00} purchase on XX/XX/XXXX. ( A ) regular 1 % i.e. {$5.00} ( B ) 10 % additional ie. {$50.00}. So far I received only {$5.00}.

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 2021-11-16 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: LA

Complaint narrative:
Your company is currently reporting a bankruptcy under my public records under the premise that on XX/XX/2021, the data furnisher XXXX XXXX supplied you with truthful, accurate data to VERIFY the ACCURACY of the information you are reporting on my file which allowed your company to close my dispute with no changes. Your response was that the data furnisher verified the information. How could this be? Attached to this letter will be my XXXX consumer file from before and after this event. ( see section 8- Bankruptcy Records ). This clearly proves that the notion that XXXX provided you with data is a falsehood. There was no data to provide! Please note that I have also been provided the procedures from the court that state that they DO NOT provide ANY records or VERY any records for the credit bureaus. 
During my call with your rep she told me that even though the data furnisher did not verify the account, it would not come off because the company does not know why if there was a public record there before, there is no public record now. This is just a poor and unacceptable response to being in the wrong. The duty is yours to provide accurate data! 
I am sending this letter demanding that you either delete the entry or provide documentary evidence showing that the account was verified. Show me a copy of the documents with the time stamp used to verify the account. Based on the call with your employee, you can choose to report UNVERIFIED information? What made you choose this for me? Now I must question your ethical practices of how you are choosing whos unverified information stays and whos gets deleted! 
Section 609 of the FCRA requires the credit reporting agency to send a copy of the documents used to verify the account and the FCRA states they are required to delete all unverified items. If you do not have documents to verify the account the day you said you verified the account, that means you did not verify the account and the account MUST be deleted. I have not given direct written consent to report any alleged unverified accounts on my consumer report. To do so means you have infringed upon my consumer right to privacy pursuant 15 usc 1692a. Anyone else sending inaccurate information is being false, deceptive, and misleading pursuant 15 usc 1692e.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, a consumer is making a complaint to the three Bureaus ( XXXX, XXXX and TransUnion ) for not notifying me in a timely manner. I have reached to them and tried to fix the problem with them multiple times but they are not responding to my dispute which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance. 

They also violated my federal rights under : 15 U.S.C 1681 for reporting inaccurate information and for disregarding my consumer 's right to privacy. 

15 USC 1692g, as they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: FL

Complaint narrative:
my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Technologies, Inc.
State: FL

Complaint narrative:
my information was used for fraudulent activity for the purpose of loans witch i never authorized.Or have knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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:
This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : IR/NAF Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went into a Bank of America service center to pay off my mortgage on XXXX I had the funds in my checking account and was advised that the payment needed to be a certified check so they took the {$42000.00} from my account for the check. They took the check and gave me the stub. 

On XX/XX/ I noticed that my mortgage had not been credited so I went back to the branch and was told I had to call the number on the back of my debit card. I called that number and was told to email a copy of the check stub along with the payoff statement to XXXX which I did. 

Called back on XXXX  and got someone at the XXXX center. I was told that it would be escalated and that I would get a call back by the end of the day. Did not receive a call back. 

Called again on XX/XX/ and this time got someone in XXXX. Now I'm being told to go back to the branch that issued the check and get them to do a " stop payment '' on it. In the mean time I've had to make another payment on the mortgage ( {$960.00} ) since a payment has not been credited. Went to the local branch and was told there would be a 90 day wait before they could cancel and refund.

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 2021-11-16 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
There are some negative item that are hurting my credit scores, I want them to be removed as soon as possible from the three credit reporting agencies. 

1. ALLY FINCL Account Number : XXXX 2. XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX Date of inquiry : XX/XX/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 2021-11-16 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: MI

Complaint narrative:
This balance is paid in full and still reflects a balance on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: MI

Complaint narrative:
This balance is paid in full and still reflects a balance on my report.

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: WA

Complaint narrative:
My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a discover credit account today XX/XX/21 under my name using my ssn. The fraudulent application and card is opened under my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
I am filing this complaint for inquiries that is on my 3 credit bureaus. I have no knowledge of this company name " XXXX '' that is on all 3 of my credit reports. I have not communicate with XXXX in any way. Please direct the three credit bureaus to remove all inquiries listed as XXXX. This is a compliance violation of my right under the FCRA and FTC law as I am not given XXXX permission to pull my credit.

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 2021-11-16 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:
I am filing this complaint for inquiries that is on my 3 credit bureaus. I have no knowledge of this company name " XXXX '' that is on all 3 of my credit reports. I have not communicate with XXXX in any way. Please direct the three credit bureaus to remove all inquiries listed as XXXX. This is a compliance violation of my right under the FCRA and FTC law as I am not given XXXX permission to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: RRD Financial LLC
State: VA

Complaint narrative:
I have been paying the car until now with a few days late, the people at the bank are very rude, last month I paid XXXX dollars for the delay and it had not been more than a month on the same day they sent the tow truck and me They took the car when I had already paid for it, now it is only one day late and they are calling me at XXXX XXXX in the morning and when they are only 7 days late they turn off the car I pay XXXX dollars when they are 7 days late and I have to pay XXXX every 15 days they give me a terrible service I have asked for help to try to make a new contract and pay the monthly car and they do not want to accept I need help for a new contract or return the car without damaging my credit Name of the company RRD FINANCIAL

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: FL

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 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RSVP Lending, LLC dba RSVP Loans
State: MO

Complaint narrative:
In XXXX I received this invitation in the mail. It was to apply for this loan. Who knew that I was financially struggling and couldn't get approved for a loan. You could only apply by invitation only. so I applied and was magically approved on XX/XX/2021. Payments are extremely HIGH. but as time has gone by and I have made my payments I have logged on and see that ALL of the payments are going to interest only. Even the very first payment. very seldom has any of the XXXX gone to principle. I borrowed XXXX XX/XX/XXXX and my principle balance is XXXX as I type this. first payment was XX/XX/XXXX. Actually I paid XXXX before XX/XX/XXXX and then XXXX XX/XX/XXXX. Then if you look at the loan contract not only am I to pay back the XXXX I am to pay XXXX in interest. I have called in XXXX and asked if there is anyway to make the payments smaller or to compromise on the interest since I have basically paid the principle back and was told NO. 

I live in the state of Missouri, where I found out there is no cap on interest. I was not aware of that until now. I feel as if RSVP is a predatory lender and that it is a matter of time before they start having complaints coming out of the state of Missouri. 

I just recently revoked my ACH with them on XX/XX/2021 because I discovered that I am a victim of Identity theft. 10 days before a payment was to have came out of my account which was plenty of time for that to have been done as their contract asks for 3 days. They replied to the email acknowledging the revocation of ACH withdrawals on XX/XX/2021 and to my surprise continued to withdrawal funds from my account on the XXXX. As soon as I revoked ACH they sent me to collections but my payment was not to pull from my account until the XXXX. I have emailed the support department and they will not respond. So in the meantime I have filed an unauthorized Ach transaction form with my bank. That money should not have been taken out and should be put back into my account. 

With Covid and people losing their jobs, and everything I am just surprised that RSVP wants to treat their customers this way. I already feel as if I have been preyed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XXXX, I navigated through Chase 's Ultimate Rewards portal and found an offer of XXXX Ultimate Rewards points tied to my Freedom card ending in XXXX if I purchased a {$99.00} annual subscription to the XXXX XXXX. I did so and have not received the promised bonus to date. I tried calling in but was told the request would be forwarded to the appropriate department. 

I tried secure messing Chase letting them know and requesting the points as promised but was rebuffed several times. They claim that while I did visit the portal and make the transaction as recorded on the statement, I did not make the purchase via their portal. This makes no sense whatsoever. 

I'm submitting this complaint having exhausted my options for Chase as they seem intent to not follow through on their promised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to Experian, XXXX and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021 hackers withdrew {$250.00} from my Bank of America account that I did not authorize. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals from Bank of America. 

I filed a dispute with Bank of America on XX/XX/2021 to reverse this transaction. After almost a month they closed the dispute and I have been unavailable to speak on the phone to discuss this futher.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My Equifax score suddenly dropped by XXXX points on XX/XX/21 with no negative changes to the factors influencing my score. I called Equifax and they were unhelpful and directed me to consumer credit counseling. I want to understand the change in my score. My other scores remain high. 
Thank you.

Company response to consumer: Closed with explanation