vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-12 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: FL

Complaint narrative:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX XXXX and TransUnion along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on 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 2021-08-12 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: FL

Complaint narrative:
In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX, Equifax and XXXX along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from XXXX they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has failed to answer each Fact stated in Affidavit of Truth, comply with Cease and Desist and pay the Invoice sent for consumer law violations. Wells Fargo received these documents on XX/XX/2021.

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 2021-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-12 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: U.S. BANCORP
State: KY

Complaint narrative:
XXXX credit card through us bank lured us in with an additionalXXXX cents per gallon discount on gas once achieving XXXX grocery store points through loyalty program. On XX/XX/XXXX I made a formal complaint. They fixed my account after 47 mins on phone. On XXXX they didnt reward me again. On XX/XX/XXXX they put me on endless hold for 45 mins then hung up on me. I called locale store in XXXX and spoke with male manager named XXXX. He refused to help with this. I am owed {$17.00} for missing credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Noticed on XX/XX/2021 an inquiry was made on credit report from Bank of America and did not give permission or apply for a credit card. Contacted Bank of America, talked to XXXX XXXX and he said he would take care of the problem. Received a letter from Bank of America on XX/XX/2021 stating it was legit and the issue was resolved. On XX/XX/XXXX, noticed card was issued.. Tried contacting Bank of America several times through phone calls and email and no luck getting contacted back. Just want the card cancelled.

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 2021-08-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : CAPITAL ONE BANK  USA N Account Number : XXXX Amount Owed : {$500.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$300.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount Owed : {$2900.00} Account Name : XXXX XXXX   XXXX   XXXX XXXX  Account Number : XXXX Amount Owed : {$110.00} Account Name : XXXX XXXX Account Number : XXXX Amount Owed : {$180.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount Owed : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX, I logged into my Amex online account to see that my Amex Gold card was targeted for an upgrade offer to the Platinum card, which came with the following upgrade bonus : XXXX Membership Rewards points after {$2000.00} spend, plus XXXX Membership Rewards points on grocery/gas spend for first 6 months. I reviewed the terms, was eligible for the offer, clicked through to accept the offer, and was approved. 

After a couple weeks, I had hit the spend threshold and was actively putting grocery spend on the card, but the upgrade bonus didn't post, and the groceries were not earning XXXX Membership Rewards points. On XX/XX/XXXX, I called the Amex support line only to be told that the offer was attached to my card, that the points may be delayed, and to keep spending on groceries because the bonus points would post within 8-12 weeks. In reliance on these representations, I continued to put spending on the card. 

On XX/XX/XXXX, I called again and was told the exact same thing : offer is attached to the card, all good, keep spending. I called back again that same day to confirm that the first agent was correct, and to ask the agent to open a support ticket on the issue. The second agent indeed confirmed the first agent 's advice, opened a support ticket, and told me to keep spending. 

Today XXXX XX/XX/XXXX XXXX, I called again, and the ticket had been closed, stating that my card was ineligible for the bonus. The agent let me know that according to the Membership Rewards team, the card was never eligible for the offer. The Membership Rewards team claims that when I upgraded the card, I clicked through a popup stating that the card was ineligible for the welcome bonus, which is absolutely categorically false. Further, I was assured by four separate agents that my card was indeed eligible, which induced my to put months ' of spend on that card. 

The XX/XX/XXXX agent told me that she escalated the matter as far as possible, and that the Membership Rewards team will not be adding the offer or honoring the points that I should have earned for the spend that I put on the card in reliance on four ( 4 ) separate agents ' assurances. 

This unfair and deceptive practice cost me roughly XXXX Membership Rewards points XXXX which I could have redeemed through Amex 's travel portal for over {$750.00} in airfare ) and hours of my time repeatedly calling in to be lied to about my card 's eligibility for the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I closed on XX/XX/XXXX on my condo. I couldnt close on the XXXX of XXXX. I paid off over XXXX to Wells Fargo on XXXX. I sold my condo for XXXX. XXXX would think I wouldnt have PMI with that ratio. But, it was simpler to sell my condo than try to get PMI removed!!! Wells and other banks do not make it easy to remove PMI. Btw, my credit score is above XXXX and never missed a payment for over 14 years. I refid in XXXX to get a lower rate. And, still wasnt under the 80 % ratio at the time. My issue is that Wells Fargo charged me another {$95.00} for XXXX after closing and tell me that it is pro-rated and wont refund me that money. Just another jab to get more money! I believe this is criminal! Ironically, I couldnt refi now because it wouldnt be profitable for a lender!! The entire PMI practice is a scam. Why doesnt it automatically drop off? I was told last year that it would stop in XXXX if going by original value to loan. But, that didnt happen. I shouldnt have to pay anything to get PMI removed.

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 2021-08-12 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month. 
I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full. 

In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed. 

But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}. 

I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date. 

I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
Taking ages to verify mine and my girlfriends account when its needed ASAP to clear some funds from there XXXX XXXXXXXX company. Awful customer service. Literally way too long before communications

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB told me they didnt have to close the account they keep attempting to collect and that they were not able to locate a discharge order. Their account was discharged XX/XX/2021. This account needs to be updated with the credit bureaus to reflect as such. The account is no longer collectible and shouldnt remain as a open collections account. I am not responsible for this debt. Failure to comply I will forward to my attorney for further attempts to violate bankruptcy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion score fluctuates XXXX points every few weeks. I called and discussed the issue in which I relayed that paying off my credit card drops my score while charging {$20.00} increases it. I offered screen shots of my payment dates that coincide with Transunion tanking my score. They said it's not and it's the bankruptcy HOWEVER if that were true and all credit bureaus have similar scoring models 1 ) why would it suddenly increase then decrease XXXX points every few weeks and 2 ) why is my score stable with XXXX and XXXX which is XXXX points higher at the moment. 

I have screen shots from XXXX XXXX and my credit card proving that Transunion is trying to keep people in debt by forcing them to keep a balance on credit cards in order to avoid dropping their credit scores which had in fact cost me 2 rental properties and is forcing me to look at becoming homeless due to increasing rental costs and the fact that the homes I can afford I can't get because of the TU scoring. 

I'm over credit bureaus and at this rate, it's this company is allowed to get away with this XXXX what's the point of having credit or even trying to buy a home when they're dictating who's worthy or not.

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 2021-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: FL

Complaint narrative:
XX/XX/2021 denied to help hanged up in my face told me they can not get no information too me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: QC HOLDINGS INC
State: IL

Complaint narrative:
they are charging 775 % interest on a payday loan in which in the state of Illinois the highest apr a loan can be is 36 %

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 2021-08-12 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: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A RESPONSE TO THE COMPANY. 

I have submitted my LEGAL documentation and BILLs that they wanted to use for my " ADDRESS VERIFICATION '' process so I could use my account. Its been now 3 months since this company froze my account but they had no issue with me depositing money from the beginning. They want to steal the money I deposited apparently. Never have I had this much trouble getting verified after submitting multiple legal documents to prove who I am. 

They said my electric bill would work but the last time I submitted this document they denied it. I tried to print another recent bill and XXXX XXXX  XXXX has an issue with their system update that will not make a recent bill for many customers. You can call them to find out or we can do a 3 way call if you think I'm lying. They offered to send me a letter of address confirmation which BINANCE refused. So I have used my GAS bill, and my WATER bill that shows my address in clear text. Yet I received an email saying that the address doesn't match. I have a PO BOX for mailing because I live in a RURAL AREA! the address I live in is shown on the bills. I live in the same neighborhood as my PO BOX as well. The government made that choice to have our neighbors go to the post office for our mail. SO I MAKE SURE ANYTHING I SIGN UP FOR HAS BOTH MY PO BOX AND MY PHYSICAL ADDRESS. Stop giving me a hard time and give me my money back now!

No one has time for this! I expect a response very soon and I better get my account unfrozen because this is unlawful to hold someone's money fraudulently as you are.

By the way I emailed the CEO and their Financial Manger and I received zero response from them. This company is terrible to say the least.

Company response to consumer: Closed with explanation