vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: NJ

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the account in question : NORDSTM/TD XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I had American Express Cash Preferred card. I decided to close the credit card account because of the {$95.00} annual fee. When I called customer service and asked to closed account, the customer service, Cal, representative informed me he can not processed a {$15.00} Reward Balance I accumulated with the American Express while using the card. Cal closed account without redeeming my XXXX Reward balance stating that minimum for redemption is {$25.00}. What Cal failed to disclose is that I could have redeemed {$15.00} through XXXX as card has been attached to my XXXX account. Additionally, the offered benefits on the card was not the {$95.00} annually fee I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my personal credit report, which I acquired from the Experian and I noticed that this unauthorized inquiry had been made : XXXX XXXX  Check Cashing Service Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  Complete Department Stores Inquiry date XXXX XX/XX/XXXX I have contacted each creditor/furnisher, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report to my address. I am a natural person consumer pursuant 16CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. There is no consumer credit contract pursuant 433.1 Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: OH

Complaint narrative:
Hello, I have been dealing with this debt for two years now from Hunter Warfield. I do not deal with debt collectors via telephone, I explain that I only deal in writing and to send me the details of the alleged debt. This debt was sold to them by XXXX XXXX XXXX in XX/XX/2019. The company claimed that I owed for something I disputed with them. I explained this in the initial conversation with Hunter Warfield along with giving the instruction to send the debt to me in writing. I have yet to receive any written communication from them and XXXX XXXX XXXX has no records of this debt in their system. I have recently had two negative hits on my credit report from Hunter Warfield. I have not been given the proper documentation and they are not taking illegal action to place this on my credit report without going through the proper procedure of debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I have been receiving continuous harassing phone calls, voicemails, and emails from Nelnet. Prior to XXXX I was current on my loans services through Nelnet. I was enrolled in auto-debit and never missed a payment. Of course when XXXX hit all federal loans were paused through this year. Now that the loans are ( as of now ) supposed to be active again in 2022 Nelnet has been harassing me to start paying again. Whether or not the loans are due again next year does not matter, as it stands now the loans are currently paused by the administration. Nelnet should have no right to contact me, especially in a harassing way as they have been. I have uploaded proof to back up my complaint. Please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CA

Complaint narrative:
On XX/XX/2021 I made a purchase using my Cash App card at The XXXX XXXX for the amount of {$31.00}. The XXXX XXXX cancelled the order due to being out of stock and they refunded {$31.00} to my Cash App card. 

However, when I checked my Cash App account, only {$1.00} was refunded. I have tried to bring this up with Cash App customer support, but they keep saying that they are unable to reimburse the missing {$30.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I, XXXX XXXX am submitting this on my behalf and no third party is involved. 
I, XXXX XXXX have reached out to Equifax several times about having the wrong demographic information on my report. I've sent the correct documents proving my identification and yet my address is still incorrect. Equifax is intentionally not deleting the addresses I've requested for them to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Plus Inc
State: GA

Complaint narrative:
XXXX pulled my credit, file # XXXX according to XXXX XXXX ( the third XXXX ) I did not authorized the credit pull which was done on XX/XX/21 by XXXX with the file # XXXX. 

I have on file with Credit Plus XXXX pieces of ID and a police report stating I am a victim of ID fraud. 

Please remove this inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: FL

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 2021-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, my sister in law XXXX account got hacked and the scammer texted me to XXXX XXXX. I obviously thought it was my sister in law so i XXXX {$3500.00}. But when i met her the next day, then I found out her account was hacked. I called my bank right away but unfortunately they couldnt help me with the transaction. I filed the police report too.

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The debt was settled with the originator and the collection agency will not pick up the phone to discuss removal of the debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Comerica
State: MI

Complaint narrative:
I have a direct express card that I receive my Social Security benefits online. 

I had to dispute the charges which I notified them two weeks ago and they have not submitted me the form to submit the fraud and to request the interiocredit telling me investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX Transunion and XXXX had all been told to contact me and did 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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX XXXX and Equifax had all been told to contact me and did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Received a spam text on XX/XX/21 at XXXX stating " C I T I B A N K : ( # XXXX ) Acct locked due to suspected fraud Sign-In attempt. Confirm your details now at https : XXXX to restore access '' I don't have an account with CITIBANK and haven't for over a year. Additionally, that account was a government credit card.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am making a formal complaint about Midland Credit Management. I found my collection account online, which I do not deny. I have tried to pay and/or settle online and Midland Credit would not allow me to do so and a box popped up advising me to call them to settle. I called them twice. Once on XX/XX/2021 and again on XX/XX/2021. In both phone calls, I was told that I could not settle the account online or on the phone. Midland Credit is not working with me to come to a settlement agreement either by paying down debt or paying less than the current amount due to obtain a closed status on my credit report. This has caused a delay in my home purchase. I am in process of obtaining a home loan. Midland Credit is unwilling to remove account or settle account so I would like this account to be removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
I pulled my credit report and discovered these accounts as collections on my credit report. I sent a dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and was reported as meets the Fair Credit Reporting Requirements. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information requested you are by law required to delete all entries off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
ChexSystems is in NONCOMPLIANCE of the Code of Federal Regulations, Regulation V and the Fair Credit Reporting Act, FCRA. I am a victim of identity theft pursuant to 12 CFR 1022.3 ( h ). A fraud has been committed against me by using my personal identifying information. I have previously reached out to XXXX XXXX in regards to this fraudulent account and they told me to reach out to ChexSystems. ChexSystems is now making me a victim of their violations to federal law. I sent ChexSystems my official Federal Trade Commission identity theft report, proof of my identity and proof of my address on XX/XX/XXXX through USPS certified mail. XXXX received my documents on XX/XX/XXXX. According to the FCRA 15 USC 1681c-2, ChexSystems is required to block this fraudulent account no later than 4 business days after they receive my correspondence and they have 5 business days to advise me they decline to block this fraudulent account. It has been 10 business days and I have not received any correspondence from ChexSystems regarding this matter. ChexSystems is in Noncompliance of Federal Law and their Code of Federal Regulations. I, as well as Federal Regulators expect ChexSystems to abide by the instructions and requirements of the Fair Credit Reporting Act and their Code of Federal Regulations. Is ChexSystems above the federal laws they have to abide by? Is ChexSystems above their Regulators who have put the Code of Federal Regulations in place? This identity theft is hendering my progress in life but the federal laws are here to protect me and my rights. However, ChexSystems refuse to follow those laws.

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 2021-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CT

Complaint narrative:
Where do I even begin with my hardship and request for help from my lender. My Hardship began last year when Covid hit. I was out of my job and furloughed because the company I worked for could not book any appointments. I got a covid extension plan and then now I know that I qualify for covid owner occupied loan modification my lender is not helping me. I have been denied twice now when I know that a covid owner occupied loan modification does not require any documentation as long as my hardship started when covid was announced. I am desperately trying to save my home and hope that this complaint will help me get the help I need.

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 2021-11-16 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: IL

Complaint narrative:
XX/XX/XXXX, I paid off the remaining balance on my four Federal XXXX  student loan accounts with XXXX ( XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, XXXX XXXX score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, XXXX XXXX credit score dropped 133 points from 686 to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts XXXX and Equifax to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX student loan tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in XXXX and Equifax Tradeline Payment History Charts affirms the 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
c. The Equifax Summary Details for Account Status , labels all 4 XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and XXXX of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the Equifax and XXXX Tradeline Payment History charts, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXXand is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than 3 payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and Equifax should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next 6 years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: IN

Complaint narrative:
LexisNexis Consumer Center XXXX XXXX. XXXX XXXX XXXX, GA XXXX Customer # XXXX Case Number # XXXX Requested my credit report and they sent me a link and " pin number ''. The pin number does not work and I tried ten times, even used lower caps. This same thing happen four years ago with LexisNexis, stonewall the consume. I called the customer service person she was unable to help and seemed befuddled. The letter was dated XX/XX/2021 and stated the pin was only good for thirty days. That was not the truth, same thing happened four years ago. I found out that they incorrectly stated I had three outstanding auto loans to XXXX and that I was a credit risk. So until I was able to get them to correct their lies, I paid a higher insurance rate.

Company response to consumer: Closed with explanation