vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: Social Finance, Inc.
State: RI

Complaint narrative:
On XXXX I received a text message from phone number XXXX that my SOFI loan was in process, but that additional information was required to secure the loan. The message included a link to complete the application. I had not started a loan application or any inquiry into a loan application and I assumed this was a fraudulent text. I replied STOP to opt out of any future correspondence. Aprox. XXXX minutes later I received another text notifying me that the loan had funded. On XX/XX/22 I received multiple calls from XXXX phone number XXXX requesting information to complete another loan application. This prompted me to check my credit report. Upon which time I noticed that SOFI had pulled my credit on XX/XX/22. I called SOFI and learned that a personal loan in the amount of {$12000.00} had been dispersed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. SOFI had all of my personal information on file ( XXXX, XXXX, Home Address, Phone, etc. ) I notified SOFI that this was a case of identity fraud and as of XX/XX/22 my case was being reviewed by their Fraud Dept. I called XXXX XXXX XXXX Bank and spoke to XXXX XXXX ( phone XXXX ) who works in their Fraud Dept. He confirmed that the funds had been received at XXXX XXXX XXXX XXXX and that bank account XXXX was under the name XXXX XXXX. SOFI keeps forwarding me to their Fraud Investigative Team phone number ( XXXX ) that goes straight to voice mail. I can not get a valid case number or confirmation number and they will not give me a phone number or email address to call them directly. The funds have already been dispersed and I want this transaction wiped from my credit and all of my personal information removed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX {$4400.00} Open balance. I settled account for {$2000.00}, with XXXX XXXX XXXX XXXX. I spoke to someone at THE BUREAUS, and they said once it was settled they would delete it of all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My XXXX XXXX was XXXX and now it is XXXX.

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 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
In XXXX I paid and notified BSI of our homeowners insurance renewal. XXXX contacted BSI directly, I faxed it over. 
We received a letter in XXXX stating we didnt have proof of coverage even though we sent it. 
I called again in XXXX, upload the XXXX policy showing proof of coverage. 
Theyre still denying that we have proof. When I call and ask if the paperwork is what theyre looking for, they say yes it shows proof, yet theyre still denying it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/XXXX someone called back to back Yesterday XX/XX/XXXX someone from the company kept calling And now today, this morning before the day starts..at about XXXX someone called..I called the number back and it was MCM This is what prompted my complaint because prior to today I never called the number back, so I didn't know who it was just that they kept calling, but because they called so early I wanted to know who it was, plus it's a local number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase continues to send me preapproved offers for credit cards in spite of the fact that I have called multiple times to be expressly put on their do not mail list. Ive had my identity stolen in the past and do not appreciate this being a potential avenue for that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In the last few months I have been checking my consumer reports with XXXX, Equifax and XXXX. In XXXX of XXXX, I have reviewed my latest consumer report. I am aware that there are unauthorized hard inquires that was placed on my file without my consent. According to many acts such as the GLBA ( Gramm-Leach-Bliley Act ) your agents/representatives are not safeguarding my sensitive data. 
I have spoken to the agents of all bureaus to have these inquires removed from my files within 15 days. An FTC report is included with this complaint. I expect for the following inquiries removed from all 3 credit reporting agencies IMMEDIATELY. I am opting out as of today XX/XX/XXXX for the reporting of the inquiries listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTARTMENT OF EDU XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I had been working on a XXXX  standalone mortage to cure a past due balance for several months. The first time I completed it, Freedom mortgage put the wrong maturity date on the documents, it was rejected by county recording, and it took them XXXX months to correct. During the time I was in process, Freedom Morgage had robo called me XXXX times between XX/XX/XXXX to XXXX XXXX of this year to the point I had to remove my number from my online profile and block them on my phone. They were also having people post notices on my door at home. I called around XX/XX/XXXX and requested they cease leaving notes on my door. I called their closing team number XXXX on XX/XX/XXXX when they did it again. They have since posted a XXXX letter XX/XX/XXXX and, a person in my house saw it with my private information disclosed. I tried to request a XXXX time to cease and desist in writing via the website and the system would not allow me to do so. This is a serious privacy violation and harassment of a XXXX XXXX XXXX XXXX with 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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
This company is collecting on a balance that was waived by XXXX XXXX. They have called me and multiple family members trying collect money. They make me give my date of birth and social security number without talking. They said that they will keep calling until I pay. The last rep mocked me and said the company didnt waive anything and that I just didnt pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Social Finance, Inc.
State: NY

Complaint narrative:
I have tried to open an online deposit account XXXX with SoFi Bank multiple times. They have denied me without explanation, even though I do not have any negative reporting with either credit agencies ( XXXX, XXXX, XXXX ), XXXX, or other well known credit/consumer reporting agencies. They refuse to send me any written documentation of their reasons for denying me an account. 

I have asked for formal written communications from them over the course of 7 different phone calls, the duration of which lasted hours cumulatively. I have been told various things at various times, ranging from that I was denied because I have two profiles in their customer database, to that I must have been denied because I have some kind of derogatory consumer or credit reporting information ( which is simply not factual ). 

Every time I call their customer service department they tell me they are unable to escalate my issue to a supervisor and that there is no additional person I can speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car was repossessed after XXXX  days of late payment because of job losses. On XX/XX/2022, which is the same day it was picked up so I called Well Fargo and paid the balance and the other charges that apply on the XXXX XXXX XX/XX/2022 now they say I have to make an appointment to get the car from the storage. They told me had to go online to make the appointment, I did that too. They tell me at XXXX am on the XXXX XXXX XXXXXXXX that I can come at it. now they change the time saying from XXXX am to XXXX now they tell them they have to process the car. so I'm asking them to pay me for the time they hold it. It does not take two or three days to get a car out of storage. I would like to file a sue. I paid XXXX dollars and still don't have my car. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My mother XXXX XXXX passed away XX/XX/XXXX. I have a court order which gave me permission to collect the funds in her account. I had previously contacted the bank to let them know, while XXXX XXXX XXXX XXXX XXXX XXXX  someone hacked into her XXXX XXXX and stole over {$1000.00}. I also contacted the police. The bank stated, due to me not being on her account there was nothing they could do. 
I went into the PNC Branch on XXXX XXXX ( XXXX ) on XX/XX/XXXX. I provided the court order, my identification, and XXXX XXXX XXXX XXXX. I was told I would hear back from them on XXXX I called back that XXXX and was told, the representative who took my information was on vacation and theyre not sure what happened. 
I called back on XX/XX/XXXX and was told there was no update. The representative called me back, later that day and stated a letter had been mailed ; for me to send to probate. As of yet, no letter has arrived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
ON XX/XX/2022 A LETTER OF DENIAL WAS SENT TO ME AFTER APPLYING FOR AN EXTENSION OF CREDIT THROUGH MY BUSINESS ACCOUNT THROUGH BANK OF AMERICA. THIS COMPANY IS DISCRIMINATING AGAINST ME. THERE REASONING DOES NOT MAKE SENSE THEY ARE STATING THAT THE LOAN BALANCES ON MY CREDIT REPORT ARE TOO HIGH AND THE LENGTH OF TIME OF MY ACCOUNTS THAT ARE ESTABLISHED. THIS IS NOT RIGHT ESPECIALLY BECAUSE I EXTENDED CREDIT TO THIS COMPANY, THEY PULLED MY SSN NUMBER WHICH IS THE ORIGINAL CREDIT CARD. I WOULD LIKE THIS COMPANY TO RECONSIDER MY APPLICATION AND OPEN MY LINE OF 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 2022-07-14 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: NC

Complaint narrative:
I explained to the Customer Service Rep. that this is not my Loan and can they please remove my name. I did not co-sign for this mortgage. They refuse to listen to me. My credit score was XXXX and now it is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I signed up for a cell phone plan with XXXX XXXX XXXX XXXX XXXX and the service was pre-paid. I did not like the plan and service, the actual usage advertised is not as it is. I pre-paid for the first month of service and not even used the service for the entire paid month and decided to switch to another carrier, and now XXXX XXXX/ THE CBE GROUP INC-FORMER placed a negative debit on my credit score for {$56.00} " Open balance '' which I do not have any open balance with them. I am a current Cable customer with them and was never able to use the so called " Unlimited access to XXXX XXXX out-of-home Wifi '' in addition the " Use XXXX Internet Wifi to save on your data '' is completely not true and false advertisement. I request that the note on my credit score is removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-14 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: NJ

Complaint narrative:
Background I had an American Express Gold Card that I signed up in XXXXXXXX XXXX XXXXXXXX. Within a few months of signing up, I kept being bombarded with offers to upgrade to the Platinum Card for an extra XXXX points and {$150.00} statement credit. I made the move to upgrade my card in XXXX XXXX XXXX which is when this mess started. 

Amex uses vague language that says the reserve the right to take back any promotional offer if the card is downgraded within 12 months. It is not made clear which 12 months is specified. From what I understood of the rules, I could downgrade my card after 12 months of paid membership, whereas they define it as 12 months of receiving a promotional offer. This is never made clear to the consumer, and is buried in vague language on purpose to deceive the customer. 

Timeline XXXX : Upgraded to the Platinum Card from the American Express Gold card after months of being bombarded with ads to upgrade to the Platinum Card from the Gold card. I was looking for a card with lounge access and is the primary reason I chose to upgrade to the Platinum card. Few things were not explained to me in the offer : * It was not explained in detail that promotional points would be taken back if I downgraded the card within one year. The terms only says that Amex reserved the right to do so, not that it will. 
* It was not explained by Amex representatives that there another product, the XXXX XXXX Amex Platinum Card, that repays the annual fee. If I had known of this option, I would have never signed up for this promotional offer. 

XXXX : I requested a downgrade from the Platinum Card to the Gold since my year of paid membership was done. It was never explained to be that the promotional points would be taken back at this point. 

XXXX : I found out about the XXXX XXXX Platinum card, and singed up for this one instead. As a consumer, would I pay for a service that I can get for free? For the other platinum card, there were still benefits I wanted to use that I had already paid for via the annual fee for the year, so I waited until my year was up before canceling. 

XXXX : American Express took back the promotional offer of XXXX points and {$150.00} statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: OK

Complaint narrative:
Original debt was a loan from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. 
The loan went into default and was sold to the collections company XXXX and XXXX with an open date of XXXX XXXX. 
The loan was sold at a unknown date and time, with no written notice, to Security Credit Services of XXXX, XXXX XXXX 
S.C.S. has changed the original open date to XXXX XXXX in violation of Fair Credit Reporting Act. 
I have not contacted S.C.S. out of concern they will restart the time and the negative impact would continue longer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
On XX/XX/XXXX I receive a letter in the mail from TRS Recovery Services , Inc that I owed them {$350.00}. The letter stated on XX/XX/XXXX a check was written in the amount of {$320.00} at XXXX XXXX XXXX. The account it references that payment was related to is an account I closed in XXXX of XXXX. I have never spent over {$300.00} at XXXX XXXX Someone used a check in my name on a closed account. I have reached out to the bank and they sent me proof of my account being closed as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Tried to use my debit card online with two different vendors ( XXXX and XXXX ( XXXX ) XXXX ). Both times, PNC/XXXX  required additional authorization - a text message to be sent to two phone numbers I'm no longer associated with. My husband 's debit card was the same also with XXXX ( with 2 numbers that he's no longer associated with ). My phone numbers on my PNC account are correct, but somehow the feed to XXXX 's authentication is not working. I called and was on the phone for over an hour with PNC and finally someone at PNC contacted their IT area, and said they are aware of this problem ( it's happened to others ), and their solution is to either call the vendor and pay over the phone or pay in person ( not use an online payment method ). The reality is, if I'm online and I want to pay for something, and I run into this situation again, I will pay using a different bank 's credit card -- or switch banks totally. I will not pay over the phone or in person. PNC is aware of this issue and needs to fix the feed to XXXX.

Company response to consumer: Closed with explanation