vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I have tried to communicate with Radius indicating the charges that they are trying to collect are invalid from the dental office. All funds have been paid to the dental office. 
They repeatedly send the same letter with the same billing. I have responded back with my rights and to provide judgement indicating a valid debt. They have failed to do so. 

They are now stating they have received a prior dispute with the same allegations from me and will not be conducting any new investigations. There has been no prior dispute from me and appears that they won't go back to the dental office to clear my account. 

It appears in order for this to go away, I must pay a debt that I do not owe. As a consumer, I'm powerless dealing with this debt collector.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I will attach the online ledger that shows a {$25.00} deduction from the account balance. ( Gapping ) The transaction was only for {$6.00}. 

Oftentimes they will fill the account in with commonly used merchants, but I did not purchase anything. 

I am missing a lot of money.

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 2024-06-02 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
On XX/XX/year> I went into XXXXXXXX XXXX XXXXXXXX in XXXX, Missouri and spoke to a representative about possibly getting a small payday loan, but they told me they only do loan amounts over {$2500.00}. At that point I told the representative that I was no longer interested and left the store. The employee had asked for my ID, but eventually gave it back once I said I was not interested any longer. I NEVER GAVE THEM PERMISSION TO PULL MY CREDIT ( SOFT OR HARD ) nor did they tell me they were going to do this. I had received an email saying there was a new hard inquiry pull on my EquifaxXXXX XXXX and when I called XXXXXXXX XXXX  to ask why they did this, the manager told me she wasn't quite sure why they pulled my credit, and I would have to dispute it through the credit bureaus, in order for it to be taken off my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I received a promotional marketing packet in the US Mail, indicating that I qualified for XXXX bonus miles into my airlines ( XXXX XXXX ) if I spent {$4000.00} within 90 days. I had a special registration code that I needed to use to sign up for this credit card. I followed through on my end by spending the required amount within the time period. I received XXXX miles into my XXXX XXXX account on XX/XX/XXXX, but I did not receive the additional XXXX due to my airlines account. I called the credit card company to dispute this, and a case number was created on XX/XX/XXXX to investigate my complaint. I followed up with the credit card company 3 times to get a status update, and I was informed each time that the credit card company acknowledged I was due XXXX total bonus miles, and that I hade met the requirements of the {$4000.00} spend within 90 days, but the company could not figure out why only XXXX miles were deposited into my airlines account. The representatives informed me to wait until my next billing cycle on XX/XX/XXXX to see if the additional XXXX miles were deposited into my airlines account. On XX/XX/XXXX, I confirmed that the additional XXXX miles were NOT deposited into my airlines account. I then called the credit card company again, and spoke with a supervisor named XXXX, who informed me that the credit card company had sent me a formal letter on XXXX indicating that the investigation into my complaint had concluded and the outcome was that I was owed XXXX miles but did not know when these miles would be deposited into my airlines account. XXXX gave me a confirmation # of XXXX to follow up. As of today, XX/XX/XXXX, I do not see the additional XXXX miles that is owed to my airlines account, and I am filing this complaint with this agency to resolve the matter. This is false advertisement on the part of the credit card company, and the company has gone to acknowledge that I am due the additional miles, and yet they will not honor their part of the agreement.

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 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
SoFi bank has locked my account and refuses to unlock the account and continues to be unresponsive or helpful in the matter. I need my money now! Ive spoken with XXXX and fixed the matter which involves the wire transfer deposit from my XXXX account to my SoFi checking bank account Ive spoken to a representative and got it fixed. I need my account unlocked immediately by SoFi. Ive submitted a claim before and SoFi became hostile with me with the representative I spoke with over the phone. XXXX is the account number for the checking and XXXX is the savings account number with SoFi. Ive handled the matter with XXXX about the wire deposit into the SoFi checking account which is the reason why they placed the freeze but the representatives refuse to assist with the matter. They say they are going to transfer me to a right department to only hang up on me 6 times. Im frustrated with the service and discrimination Ive faced from SoFi and want this situation resolved by releasing my money. This has been going on for 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Company did not disclose any information on the debt and did not called to resolve any solution...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX hard inquiries, XXXX XXXX XXXX Reported : XX/XX/XXXX - {$3300.00} Needs Attention. XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$770.00} Needs Attention XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX - {$1100.00} Needs Attention XXXXXXXX Inquiry :, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX. XXXX, XXXX, XXXX XXXX XXXX Reported :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 confidentiality under 15 USC 1681. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX is reporting a closed account the creditor is AFFIRM for the amount of {$100.00} since XX/XX/XXXX ' I reached out to the creditor throughout the year and they couldn't confirm the debt nor have me their system. Therefore I disputed this closed account with a XXXX advising them I reached out to them personally and they'e stating they couldn't locate me their system. How I have find it funny XXXX will always come back with their investigation with " Verified '' with no proof for me the consumer! 
I then took the initiative to do my investigation and found the XXXX party that the debt was sold to, by the name of XXXX! The debt has been paid in full as of XX/XX/year>. I then called AFFIRM to let know how poor of reporting to the credit bureaus and this debt has been paid in full and delete from my CREDIT REPORT ASAP. They said I needed to reach out to XXXX to remove it. I filed the a dispute XXXX XXXXXXXX last week detailed XXXX and as of today XXXX they state " REMAINS '' the company which AFFIRM states it '' XXXX accurate! How is that when I spoke with someone from AFFIRM notfifying them the debt was paid in full they confirmed it also by the XXXX XXXX XXXX on that same day! This is illegal and both parties XXXX and AFFIRM to do whats right for the consumer! I will attached my proof paid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Order # XXXX Amount paid : {$6600.00} Order Date : XXXX XXXX XXXX  Just for context, I'm a XXXX XXXXXXXX XXXX XXXX  no longer working and XXXX XXXX XXXX XXXX XXXX. 

On XXXXXXXX XXXX XXXX I bought a gold chain online from a merchant called XXXX XXXX XXXX XXXX and paid {$6600.00} on my Bank of America debit card. 

The following day an empty box was delivered by XXXX. 

It had an invoice and an empty, small zip-loc type bag in it. I called XXXX immediately and I've spoken to seven customer service folks at different levels, providing them with whatever they have asked me for : several interviews, photos of the box, etc. 

The XXXX representative on XX/XX/XXXX told me to contact XXXX XXXX directly and request a refund. I tried to contact them many times without success. XXXX representatives assured me on multiple occasions that my funds. would be refunded and not to worry. 

XXXX advertises a warranty/guarantee that promises to protect consumers if they are defrauded by a merchant using their platform. It is called the XXXX XXXX and my claim for coverage under this was also denied. 

I reported this back to XXXX ; the representative said they would look into it. The day the box arrived, I read the reviews and I'm glad that I saved the webpage. I will submit via your portal the 13 other reviews by customers who paid for but did not receive their orders from XXXX XXXX ( all in less than last 6 months ). 

When I checked XXXX XXXX weeks later, there were no reviews at all. All wiped clean and the review function itself only to be found at the bottom of at least a 5 page scroll down from the top, not at the usual location near the top. 

After more than a dozen calls and emails with XXXX, they emailed me and said I was not going to receive a refund. No reason was given and none was available when I called to follow up. 

I requested Bank of America to chargeback this purchase as it was fraud. So far they have refused to indemnify me and they did not even provide a provisional credit as required under Federal law and as promised in their " Deposit Agreement and Disclosures '' provided when I opened my account. 

I am owed {$6600.00} from Bank of America. 

Thank you

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays credit card ending XXXX I took the offer of the 0 % interest which Barclays Credit card offered me last year XXXX and the balance transfer promotion with 0 % interest ended on XX/XX/XXXX. 
Few months later I took another balance transfer of 2.99 % which ends on XX/XX/XXXX. 

2 months before the 0 % promotion ends on XX/XX/XXXX, I paid the total balance using my personal check # XXXX for the amount of {$2900.00} and I wrote in the check that this check # XXXX pays the promotional balance which ends on XX/XX/XXXX and I included in addition another letter to support my specific payment and request. 
This check # XXXX ( proof of payment ) was sent via regular mail and was not deducted as an automatic debit a using my checking account. 

For additional information I sent to Barclays via email the proof of my payment/ ( physical check ) + my last XXXX recent statements from XXXX, XXXX, XXXX. 

The reality is that Barclays credit card intentionally ignored the reference of the check for the amount of {$2900.00} and made a credit to the other promotional 2.99 % balance transfer which will be ends on XX/XX/XXXX. 
Barclays ccard charged me this month of XXXX XXXX the interests generated of {$70.00} which is showing that I did not paid the 0 % balance transfer which ended on XX/XX/XXXX and the amount of {$2900.00} was paid the other balance transfer which ends in XX/XX/XXXX. This charge for the amount of {$70.00} per month is the interest generated for to have a balance of {$2900.00} with a 29.99 % yearly interest because the balance transfer ended on XX/XX/XXXX affecting me economically.I plead for justice, because this action is unethical affecting consumers budgets and only benefit Barclays ccard. 
Please assist ASAP with this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Credit Reporting Act. 

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 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 XXXXXX/XX/XXXX Please remove these inquiries from my credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit.

2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission.

Please include documentation of said permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following addresses are reporting incorrectly and must be removed immediately : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX The following employment info is reporting incorrectly and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately : XXXX XXXX By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report. Thank you for your time and help in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had 2 accounts at Bank of America. One was in use and one was not, but both showed up on my account web page. Once several months ago I had made my payment and accidentally clicked on the wrong box and the payment posted to the wrong account, the one with a XXXX balance and not to the account being used that had a balance due. I received an email that my payment was past due but knew I had made it. I went to the webpage, saw where the payment had posted to the wrong account, called Bank of America and explained what happened and while on the phone with them they transferred the payment to the correct account and removed the late payment fee. I asked that the old account be closed and removed from the webpage so this didn't happen again. They closed the account but did not remove it from the page and I made a payment in XXXX XXXX XXXX  and once again clicked the wrong box and the payment posted to the wrong account. I didn't realize it until I got a payment overdue email from them a few days later. So I called again, told them what happened and how it had been corrected before. I once again asked that this second account be removed from the page so this didn't happen again. The young lady I spoke with said she could not move the balance over and that I would have to make another payment to the correct account and she could not remove the late fee. She said they would mail me a check for the credit balance on the other account and I should receive it within XXXX days. During the call we were disconnected so I called back and spoke to a young man and told him what happened and he said the same thing. A check would be issued for the balance within XXXX days but I would have to make another payment to the other account. I told him I would pay the active account off IN FULL, including the late payment fee, and for them to immediately send me a check for the {$300.00} credit on the closed account. I asked that they also close the current account and take me off their mailing list as I would never do business with them again. He assured me a check would be sent and that the active account would be closed once it was paid off. The account has been paid off but 2 weeks later I still had not received my {$300.00} back. I called again and the lady I spoke with said she had no idea why I had been told what I had as they do not issue paper checks. She said she would start an inquiry and I should hear something within- AGAIN - 7 to 10 days. It is now XX/XX/XXXX and I have not heard a thing. I want my {$300.00} issued back to me. My current account has been paid in full and has a {$0.00} balance and the 2nd closed account still shows a {$300.00} credit balance.

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