vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: Social Finance, Inc.
State: WA

Complaint narrative:
I opened a credit account with XXXX on XX/XX/21 with a promotion they were running in which they were offering XXXX points to customers that open an account between XX/XX/21 to XX/XX/21 and made their first purchase before XX/XX/21. I made my first purchase on XX/XX/21. When the XXXX  days which is when they said it will be posted to my account was coming I called their customer service on the status of those points on XX/XX/21. The rep I spoke said she has created a ticket to look into this and it will be a week before I will know the status. I called back on XX/XX/21 and was told there was no mention of this ticket in my account and she would submit one that day and that I should call back on Friday to check the status. I called back on Friday and was put on hold for like half an hour before I was sort of pushed away from the call by the rep saying I should see the points coming soon. I decided I would give them by today to see if they could give me any progress on this ticket that they say they made to resolve this. So I called today XX/XX/21 and straight up was told the ticket was send to the wrong department and that she will create a new ticket and send it to the right department this time. She gave me a ticket number this time which is XXXX. I have lost hope and pray that the CFPB can help on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX I entered an agreement with TD BANK USA/TARGETCRED on a credit card balance card of {$3600.00}. Prior to a dismissed Chapter XXXX bankruptcy, my account was in good standing. After the Chapter XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1800.00} making 6 payments of {$300.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$900.00} due to financial issues which was a direct result of COVID-19. I earn income as a XXXX XXXX XXXX and a XXXX XXXX for XXXX ; as you are aware all institutions of education were impacted. My supplemental income from those employers went from $ XXXX to {$0.00}. I shared this information with the Target Rep. I paid the {$900.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the Target representative on XX/XX/XXXX regarding this account and I was told the XX/XX/XXXX agreement was no longer an option and the {$900.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2600.00}. I was told $ XXXX was required to satisfy the account. It is evident TD/Target Credit is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, TD/Target Credit One filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new credit with TD/Target Credit and the account is in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, at XXXX I checked my XXXX XXXX with Experian XXXX which was at a level of XXXX. The next morning at XXXX, I checked my credit score again to find it at a level of XXXX. My credit score had been decreased by 14 points in a matter of 7.5hrs. My credit score has been holding firm with XXXX then a ONE point increase for atleast 4 months. There have been no negative activities in connection with my credit what so ever. I have received a credit card increase twice within those 4 months previously mentioned. My bills as-well-as 3 credit cards have been paid in full for the last 12 months. Why and how is this possible? How do you increase ONE point for good work then turn around and decrease 14pts for no apparent reason? ( In a matter of 7 overnight hours )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I entered an agreement with XXXX  on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed XXXX  XXXX bankruptcy, my account was in good standing. After the XXXX XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making XXXX payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a PT XXXX XXXX  and a XXXX XXXX  for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time XXXX XXXX took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to XXXX XXXX. I called XXXX XXXX at XXXX and spoke with XXXX, XXXX # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears XXXX XXXX is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, XXXX XXXX filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from XXXX and all accounts are in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX  This is not mine. 

4. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have these accounts that does not belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
I have been locked out of my account with Coinbase since XX/XX/23. Initially I reported to them that I thought my account had been compromised, however it was later concluded this was incorrect. Since then Coinbase has refused access back to my account despite providing them with all necessary documentation to prove Identity. I have reached out to them a few times a week since then to no avail ; just received generic auto responses with no help. It seems at this point theyre just planning to keep my money which is XXXX of dollars. This is unacceptable and they shouldnt be able to get away with it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent a FTC report to equifax and XXXX regarding fraudulent items on my credit report. 
To this day over 20 days later I have not received a response yet about my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My XXXX XXXX Credit Card accounts are paid off but there still being reported as derogatory with all the credit bureaus. I have called them on several occasions and nothing has been done..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NC

Complaint narrative:
I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also 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
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2021 i made an online purchase totaling {$400.00} with my Cash app card. I never received the product, and I tried to dispute but the representative for the Cash app refused to file a dispute. 
The company I purchased from XXXX XXXX XXXX is refusing to refund me. So I entrusted that Cash app would have my back. I've given over 12 screenshots of documentation including everything that Cash app asked me to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Name : CAPITAL ONE NATIONAL Account Number : XXXX Date Opened : XX/XX/2015 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery has been calling me multiple times a day even after being instructed not to contact me by phone. The person I spoke with said they do not recognize a not call list. This problem has been getting worse to the point where they called me 9 times in less than a minute while Iwas at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: VA

Complaint narrative:
On XX/XX/2021, I was notified through my credit monitoring service that my account with Webbank/Mosaic had been reported as closed and that the balance was now {$0.00}. I just opened this account in XXXX, so I checked my credit report to find out what was going on and my Equifax report showed that indeed the report is now reporting as closed with a {$0.00} balance. I called on that day and was told that there was no one available to assist. On the following Monday, XX/XX/2021, I called and was told they had to escalate to a higher group to investigate and I would hear something in 3 to 5 business days. I called back after 6 days and was told it would take longer. On XX/XX/2021, I was told there was still no resolution and the best way to resolve would be to send an email. I emailed and received a response today saying that the loan was not paid off and I could provide proof of payment. They completely left off the part about the credit reporting. 

This is a violation of the Fair Credit Reporting Act. They are not reporting correct information and the loan is not reported to either XXXX  or XXXX. They need to address the actual issue of the incorrect reporting to my credit report and not something I didn't say.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also 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 2021-07-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent certified letters to each bureau requesting the debt be verified and to no avail. Here are the items on my report : XXXX XXXX XXXX # XXXX, XXXX  XXXX  & XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX, XXXX, XXXX. Also XXXX XXXX  XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX i seen an add showing that i was pre approved for {$20000.00}. So I applied the company regions bank. After putting in all documentation needed they sent an e mail showing that i had funds awaiting for me. Then got a letter saying that i was denied. The company couldnt give me a valid reason as to why they denied me and told me they couldnt give out that type of information. So they lead me into a false ad that not only hurt my credit score but made me feel horrible as a consumer. They violated me and since they didnt give me an answer as to why it was discrimination section 15 U.S.C. 1691.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Repeated phone calls and would not remove my number after I asked them to only contact me by mail.

Company response to consumer: Closed with explanation