vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: NV

Complaint narrative:
My bank, Albert, advertised a {$75.00} bonus for moving your qualifying direct deposit to their institution. I moved my direct deposit to my account and received the first deposit of {$1100.00} on XX/XX/XXXX. On XX/XX/XXXX I messaged them regarding the bonus because I had not received it. They advised that it had not been automatically detected y their system but not to worry it could be done manually. They requested a copy of my paystub, at which time I informed them it was a benefit deposit but that I did have proof. I sent them a copy of my benefits verification and was told to expect the deposit any day. 
On XX/XX/XXXX, after still not receiving the bonus, I reached out to their support team once again. I told them of the previous conversation and once again sent my benefits verification letter. They responded and told me my deposit did not qualify because it was benefits and not from am employer. I screenshot the terms and sent that along with a statement that it clearly states benefits do qualify but that short-term benefits do not. My benefits have been ongoing since 2002. They repeated their previous claim that mine did not qualify because it was not from an employer. They advised me to sign up for a new account and bring my direct deposit and then I will get the bonus. I told them I would be filing a complaint. Some days later it crossed my mind to check under the option to automatically connect and transfer my direct deposit and see if Social Security was an offered option. It turned out it in fact was as well as SSI being one. Still I am being denied the bonus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
TD Bank hides transactions via atm and teller that reduces availability of funds by deposit as a mistake overdrawn and missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the USC 1681. 

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 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under the USC 1681. 

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 1681c. ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had my Wells Fargo credit card since XXXX. The account started as a secured credit card which was converted to a non-secured card in XXXX. My account has always been in good standing yet every credit line increase I requested has been denied. I think that because I have been a good standing customer for the last 9 years should account for something in regards to my credit line increase request

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Late Payments reporting and the accounts arent late

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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX, Friday, XXXX .P.M. EST I called Bank of America, Live Chat Line, Closed the account, and just made payments only the last XXXX years out of XXXX  years as a cardholder. 
I have made my monthly payments to Bank of America each month toward {$3000.00} since being a cardholder in XXXX, and my balance remains {$3000.00} ; my most recent payment was made on XX/XX/XXXX for a minimum due of {$88.00}. 

Bank of America XXXX Please investigate this matter for me. 
Thanking you in advance.

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 2022-05-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 explanation
Consumer complaint received 2022-05-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are XXXX hard inquiries on TransUnion that were not made by me. These companies and dates are listed below. I have not taken action yet with the companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UPGRADE, INC.
State: MN

Complaint narrative:
In XXXX of 2022, I saw an offer at XXXX for the Upgrade XXXX  XXXX card. They tout an offer of {$400.00} for opening the account. 

I went ahead and went through their account opening process and found out that it was essentially a loan. They charged interest on the XXXX transactions that I made ( even though paid in full / on time ). To get the {$400.00} for opening the card, you needed to post XXXX transactions to the card in 60 days, and it would post 1-2 billing cycles after this happened - or so I thought. 

After contacting their customer service, I learned I needed to ALSO open up their Upgrade XXXX  Checking account. Never in the process was I provided a link to open up a second account or asked to do so. It was after the 60-day period closed, that I contacted their office to see about the account bonus and they said I needed to open a checking account and that my 60-day window had closed. 

Here 's how they word the offer when you open up the XXXX  card : " To qualify for the welcome bonus, you must open and fund a new Upgrade Rewards and make XXXX debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your XXXX Checking account. Your Upgrade Card must be in good standing to receive a bonus. '' If that isn't misleading, I don't know what is. I even sent several notes to their support team to ask, " do I also need to open up a checking account to receive this reward? '' and they replied with the same message above. 

I'm reporting this to warn others not to interact or sign-up for this credit card. Also for XXXX XXXX for promoting this misleading offer. It is a loan, associated with a credit card and charges crazy rates. There shouldn't be a product like this on the market. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21 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: NY

Complaint narrative:
THIS ACCOUNT IS NOT MINE XXXX AND XXXX YOU PUT A FRAUDULENT ACCOUNT UNDER MY NAME! Saying collections! NOT MINE THIS XXXX XXXX XXXX XXXX FOR {$140.00}!! I DO NOT HAVE THIS OR KNOW WHO THIS IS! Remove ASAP OR I WILL CONTACT A ATTORNEY

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 2022-05-21 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: IN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # 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 2022-05-21 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: IN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: PA

Complaint narrative:
I started to dispute my accounts with Experian, XXXX and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above XXXX credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.

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 2022-05-21 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: Modern Asset Management, Inc.
State: FL

Complaint narrative:
I have filed a dispute with XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Credit Card XXXX : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Name & Address of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX, Fax ( XXXX ) XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did not complete the goods and services that they had agreed to install a Fire & Sprinkler System at the following address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX Synchrony Bank is a conspirator to the contractors fraudulent inducement to bid a project cost that was unattainable. 

XXXX XXXX XXXX XXXX  Agreement dated XX/XX/XXXX indicated a Target Est. Install Date of XX/XX/XXXX. 

My wife filed a dispute with Synchrony Bank weeks after I had filed my dispute. She received a credit on her account on XX/XX/XXXX for the very same issue that Im having with this company. My wife and I combined our Synchrony accounts together to fund this project from XXXX XXXX XXXX. 

Synchrony Bank have closed out all my accounts under them such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and others. The reasons for their decision were, Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay.

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 2022-05-21 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: NY

Complaint narrative:
Late Payments reporting and the accounts arent late

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 2022-05-21 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: NY

Complaint narrative:
Late Payments reporting and the accounts arent late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
A data breach within XXXXXXXX XXXX took place in early 2020 resulting in fraudulent activity using my social security number. I was notified of the breach but discovered my information had been used when a XXXX account was sent to collections and my credit report in the amount of {$4900.00}. I immediately called XXXX to dispute this and was told it would be investigated and taken care of. I attempted to file a police report but every city or county I called sent me to the next one. I am attaching a link with the data breach info as well as a screenshot of the debt on my credit report. 

https : XXXXXXXX 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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response. 

I then sent a third letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies. 

Additionally, the company sent me a letter on XX/XX/2022 stating that they have reported to the credit bureaus that the account is in dispute. They still failed to provide me with the information I had originally requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX  # XXXX, XXXX  XXXX  XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX # XXXX, XXXX 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 2022-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
DOVENMUEHLE is not sending the loan modification to the chapter XXXX trustee XXXX XXXX in XXXX colorado. I attached a copy of the loan modification and payment statement my next payment is not until XXXX of XXXX There costing me XXXX a month. XXXX Dovenmuehle knows by federal law they should have sent the loan modification to the federal bankruptcy courts in 30 day 's the loan modification was done in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX  XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX 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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I submitted Dispute for unauthorized transactions totaling almost {$2000.00} not sure of the exact amount because my account is locked and wasn't sent an email regarding the disputes.Two of my Jobs Payroll checks are locked in the account and unable to access plus the transactions listed in the Case # XXXXI filed the Disputes for the Unauthorized transactions to Credit Karma on XX/XX/2022. My account was locked XXXX XXXX and it's XX/XX/2022 and still yet to receive any Updates or Provisional Credit I was promised.When I reach out they send the same Automated Emails that is posted in the Picture section.They won't give me an update or Tell me how long usually cases are reviewed it's past 30+ days and still no updates. I have received emails from Merchants that the Unauthorized transactions were made, and charge back has been successful and Credit Karma still refuses to give me an Update on the Case or any provisional credit for case # XXXXIve been patient it's been over 30+days and have yet to receive an Update or Provisional Credit for the Unauthorized transactions. No Credit Karma representative or supervisor is able to help they tell me they can't handle the Situation and to send email to Credit Karma dispute team that sends an Automated Email back and no real Response saying the case is still under Review.

Company response to consumer: Closed with explanation