vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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: CA

Complaint narrative:
In XXXXXXXX XXXX I have added to my US Bank Cash+ credit card a 10 % cash back offer for gas purchase ( see attached screenshots of the offer itself and of the offer shown 'activated ' on my account ). The deal offer was to earn 10 % cash back on any qualifying gas purchase, with a {$20.00} cash back maximum when you spend {$10.00} or more. On XX/XX/XXXX XXXX XXXX  I purchased {$61.00} worth of gas at a gas station. I have not received the 10 % cash back from US Bank Cash+ card for this purchase ( estimated at {$6.00} ). The offer said that the cash back will be processed within 5-7 business days, but I have not received it to this day ( XX/XX/ ), which is more than 7 business days after the purchase. I chatted online about this issue with a customer service rep XXXX on XX/XX/XXXX XXXX who simply provided me with a US Bank customer service phone number for further assistance. I called the US Bank customer service phone number on XX/XX/3 and talked to agent XXXX, who referred my concern to investigative team. I received a letter on XX/XX/3 from Cardmember Services signed by XXXX XXXX stating that I will get a 1 % cash back bonus for the gas purchase. The letter did not discuss the 10 % cash back offer, but was referring to a different cash back offer for the US Bank Cash+ credit card. I am still awaiting my 10 % cash back reward for XX/XX/ XXXX  gas purchase of {$61.00}.

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 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
My son received a call from a company, XXXX XXXX XXXX ( phone XXXX ) on XX/XX/XXXX - a lady named XXXX XXXX claimed she had been trying to reach me in regards a civil suit in which my bank accounts would be frozen by XX/XX/XXXX if I didn't respond immediately. The case number referenced was XXXX. I called back and was transferred to a XXXX who informed me that it was for an HSBCXXXX XXXX XXXX  debt I owed in XXXX in the amount of {$20000.00}. I informed her I didn't owe any credit card debt or owned an HSBC account in XXXX. I did have a citi bank credit card at that time but it was paid off. The lady had details of my texas drivers license number and an old address- she claimed numerous letters were sent to my old address and they have decided to place a lien on my accounts by XX/XX/XXXX. I told her I was unaware of this debt and besides there was no delinquent information on my credit in which she stated it was no longer reported with the credit bureaus. She then proceeds to act empathetically towards my confusion and says she will request her boss to 'reinstate ' my debt to avoid the lien on my accounts. She asks what I am willing to pay ( because the debt was in my name and I was still liable for it ). I negotiated ( for a debt I didn't owe ). She said I would be receiving a document that I needed to XXXX and then make a one-time payment over the phone. That is when I decided to stop the discussions because I wasn't going to make any payments without receiving proof of debt, and I certainly was not going to give a stranger my card details over the phone. I am reporting this because I do not owe any credit card debt from HSBC but also most concerned that she had my details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
PSLF : I work for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and it is listed as undetermined, which is impacting the status of my PSLF. I have uploaded supporting documents and completed the application to have my employer approved ( many times ). My employer is still listed as undetermined which is directly impacting the amount of payments I have left for the PSLF. I have waited on hold for 3 hours at a time to try to get this resolved. From last year until present day, I have never received any update on this. I just recently received a letter stating that I have to complete a full application for a review to of employement to be completed. I can not complete any other applications as it will not let me move on without the eligiblity of my employer. My 2 former employers have signed and completed it. I also tracked my activity and it states that one of the PSLF applications is a duplicate form and one was processed, even though they are 2 different employers. The one on XX/XX/23 was processed form the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is listed as a duplicate form on XX/XX/23. I was then changed to a payment plan that was not eligible undeer PSLF. I spent hours on the phone and to get this resolved and put it into forebearanace until this was resolved.

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 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XXXX {$1500.00} was sent to my account by my lawyer but due to the account being closed I never received it. Since my account was closed the funds should have been returned within 48 according to Wells Fargo but it never was returned to my lawyer account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 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 2023-11-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 


15 U.S.C 1681 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Flexible Finance, Inc.
State: UT

Complaint narrative:
FLEX pay received a written request by email to cease and desist any authorizations to a business debit card regardless of how it was added on file and FLEX pay charged the payment anyways to the company debit checking account despite the cease and desist removal of the card. The company is now deciding whether or not to honor the dispute however the charge was sent to a business account and the company sent a cease and desist request of the removal the of the card on my behalf. It wasnt honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/2023, I check my eligibility for an affirm loan with XXXX XXXX. I wanted to purchase and XXXX. It said I was approved for XXXX. It gave me three options : 0 % apr for 6 months, 10.84 % for 18 months, or XXXX for 36 months It said my offer expired in 6 days. I took a screen shot of the offer. I didn't check out because I wanted to see the bike in person before I purchased. I drove an hour to the dealer and after viewing the bike, agreed to purchase. I then used my phone to buy the bike online while in their store to use the affirm offer. The offer was no longer 10.84 % but 24 %. I put {$1000.00} down on the bike and purchased anyway since I had driven and didn't have time to come back. I also figured out that once I showed Affirm proof what they had offered, they would fix their mistake. I have called twice and spoken to two different representatives. The first man was no help and said he could not see the original offer. The second rep said they would not change the APR even though I have physical documentation of the original offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of a late payment account on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. According to the FCRA, by law I have the right to challenge any inaccurate information on my credit report.

15 U.S.C. Sec 1681i ( a ) states that if you can not provide proof then the account must be deleted especially when it is inaccurate. I am requesting that this XXXX XXXX XXXX account gets deleted. Ive contacted the three major bureaus to investigate every piece of information on the account listed below and I still have not had a proper investigation launched. In addition, in accordance with the FCRA XXXX XXXX XXXX has violated my rights : 1. 15 U.S.C 1681 section 602 A, states I have the right to privacy : It also states a consumer reporting agency can not furnish an account without my written instructions 2. Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. 

I did not give written permission to have these accounts furnished on my report. According to the FCRA 15 USC 1681 everything has to be 100 % accurate. Once again, I am demanding a correction to my credit report by this item being deleted and removed from my credit 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I applied for an auto loan in XX/XX/2023 at and I was denied due to errors and false information on my Transunion report. 

Secondly, I also requested a block on my Transunion credit report to enforce my right to privacy and they failed to do so pursuant to 15 usc 6801 Protection of nonpublic personal information ; 15 usc 1681 Congressional findings & Statement of purpose ( a ) ( 4 ) ( 4 ). 

My last attempt to resolve this matter over the phone on XX/XX/XXXX. After multiple attempts Transunion still has not resolved this matter.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I have had a Barclays card for more than a decade. Around 3 years ago I put a freeze on the card and tried to close the account. Around 2 years ago I noticed on a credit check that the account had not closed and I went to close it again. Today I get a notice that they put a charge on my card and are asking for a past due balance. I went to figure out what's going on and to again try to close the account. The number listed on their site was for an apartment complex in New Hampshire. I messaged their service on their site to no response. The apartment complex gave me the correct number and I called multiple times however anytime the automated prompt asked for me to say representative it just hung up, similarly it hung up if I said " account closure '' after repeated attempts. I JUST WANT THISA ACCOUNT CLOSED!

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i told them the late payment is not accurate XXXX also 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i told them the late payment is not accurate XXXX also 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 2023-11-29 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: KLS Financial Services, Inc
State: NC

Complaint narrative:
On XX/XX/2023 I sent a letter to KLS Financial Services about an account on my consumer report I am not familiar with. The account number for this account is # XXXX. I sent this letter to KLS Certified Mail the Tracking number is # XXXX to ensure this letter would reach the company. 

KLS did not respond to dispute letter within the mandated time frame set forth by the FCRA. I request that this account be removed from my consumer report immediately! Obviously KLS financial services does not has the substantial proof to verify this accounts existence on my consumer report. Attached is the Dispute letter for account # XXXX to KLS financial and also the Tracking information to KLS Financial Services .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reached out to this company multiple times asking to prove that I owe this debt to their company. I haven't received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Received letters from home owners insurance company XXXX XXXX XXXX XXXX XXXX, that the credit rating was insufficient. 
They subscribe to Lexisnexis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: WA

Complaint narrative:
XXXX XXXX - XXXX is not accurate.please remove this inaccuracy from my report XXXX - XXXX doesn't belong to me. please remove it from my credit report XXXX - XXXX doesn't belong to me.please remove it from my credit report 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XXXX - XXXX is not accurate.please remove this inaccuracy from my report XXXX  - XXXX doesn't belong to me. please remove it from my credit report XXXX - XXXX doesn't belong to me.please remove it from my credit report 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 2023-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX of 2023 I opened a business savings/checking account with Bank of America . The customer service representative advised that if I open the XXXX accounts and maintain a balance of more than {$1500.00} in my checking, I will not pay maintenance fees. I never really viewed my savings account and maintained over a {$100.00} balance in order not to be charged a maintenance fee as I was advised by the service adviser. When I recently checked my savings statements, I saw that they were withdrawing {$10.00} dollar maintenance fee every month, even though they promised that they would not. I went to the bank and they said they will adjust the fees back to my account and will refund all of it back in few days. I went to check the account and they only refund me {$10.00} for one month only and when I inquired about the rest of the fees to be refunded, they said they will not and thats based on their decision. I feel that they took advantage of me and lied to me at the inception of when I opened my account with them.

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 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Unauthorized Credit Inquiries I RECENTLY RECEIVED A NOTICE THAT I WAS A VICTIM OF A DATA BREACH. 
I am filing a complaint with the CFPB regarding unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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

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