vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am having difficulties trying to receive a payment program from American Express with my XXXX American Express card, the amount is around {$2000.00}. I have been reaching out to them for their flexible enrollment plan since XX/XX/2024 for about five different occasions now. I have 11 days left until it will go into collections or reported. I am being told the payment program is not available at this moment and to keep checking back. They asked me to update my annual income because it would help my case. I am on a fixed income from XXXX permanently and I told them this. I changed my annual income, but I am still without assistance from this bank. I feel discriminated against because of my other banks I do business with gave me a hardship program the very same day when I asked them for help. I have been a loyal customer for several years, and I was never late on a payment up until now. As a loyal customer, I should be enrolled for help. It shouldn't be this difficult to receive a payment program they themselves can offer me. I don't want to do business with this bank ever again because they gate keep this payment plan like they need to take as much money from its customers even if they will put their customers in a bind and hurt their credit tremendously, {$2000.00} isn't that much to help me out with. I know they can help, but they refuse to help every time I have reached out with details noted for them to weigh knowing my situation. I will not use American Express in the future or will not recommend to friends and family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to TransUnion. I called XXXX # XXXX ( XXXX XXXX department ) and was told they cant report my account to TransUnion. But in the response to my CFPB complaint they said theyll report my account to all XXXX bureaus TransUnion, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of XXXX times which he did call me back today XX/XX/2024 but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NV

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>2022 XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX closed my account in the amount of {$490.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Credit Alert New Inquiry Reported By XXXX Reported On XXXX XXXX, 2024 We called the XXXX XXXX XXXX  who directed us to Concora at XXXX. We were transferred to Concora and we called them directly. We were not able to talk to anyone or leave a message. 
We explained to the XXXX XXXX XXXX  that we live in XXXX and did not apply for any credit in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On or about XX/XX/year> a check, see attached, was mailed to the bank to payoff the remaining balance. The bank received the check and cashed it on XX/XX/year>. 
Note their clear endorsement on the back of the check. The bank did not, however, credit my account for the amount of the check. The current balance shows as owing {$9900.00} and the card number isXXXX under the name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
I have called the bank several times with no results. in fact, they acted like they just didn't give a hoot. The last time I was told it was up to my bank to get the matter resolved. My bank has already done EVERYTHING they can do. I was treated with disrespect and in the meanwhile, they are charging me an exorbitant rate of interest. I want the {$10000.00} applied to the account noted above and a rebate of the interest accrued after XX/XX/year>. I also think a personal apology would be in order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Hello! My name is XXXX XXXX. I ended up working with XXXX XXXX XXXX XXXX account number XXXXThey wrote to me that I owe them, but if I have an open policy in a new company until XXXX, then they will not issue the debt if I provide them with all the papers.I do all this send the new insurance policy, my new insurance company XXXX XXXX policy number is XXXX but I have not received a response from XXXX.I think everything is fine. But today I received a letter from a debt collector saying I have to pay XXXX. link : XXXX and I don't see why I should pay unless I use this insurance company! my contract came to an end and I send all the information about my insurance police!! Thanks

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/year> XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Newrez LLC conducted an appraisal ( in person ) for PMI dismissal in XX/XX/2024. 

I provided all documentation and proof of reason to dismiss PMI as the current market equity valuation is greater than 25 % outstanding principal balance in the mortgage. 

Newrez LLC refused to dismiss the PMI in XX/XX/2024 but did not provide any specific reason or explanation, instead providing a blanket letter with several possible reasons. 

However, none of the listed reasons in the refusal letter match any condition on my mortgage loan. Therefore, it is either a mistake or a fraudulent claim to refuse the dismissal of PMI on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX Covid happened. I called Wells Fargo Auto and asked if there was any way I could get any help with paying my car payment as I had just lost my job, as did my husband. The WF agent told me I could have a 3 month deferment and I accepted that. So my next payment, as I was told by wells fargo, would have been due on XX/XX/XXXX. Since I still wasn't working, I called again and was told I could have a three month extension of my deferment, which I also accepted. So now my next payment is not due until XX/XX/XXXX. On the morning of XX/XX/XXXX, I walk out to my drive way and the only thing I see are 2 black skid marks where my car was and is no longer there. I called the police department thinking my car had been stole. I was told that my car was repossessed by the lender. I called Wells Fargo multiple times that day and the next three days until I finally got someone on XX/XX/XXXX, in the executive office and they admitted their mistake. I was sent a letter to bring with me to the place where my care was towed stating that I was to be given my vehicle back and I was not to be charged anything. I did go to retrieve my car. I was treated like some kind of criminal and made to stand outside in the hot XXXX Florida sun in mid XXXX  for over 2 hours while they " waited for someone to come and unlock the impound yard. '' I made a loan payment on XX/XX/XXXX and they applied it to my account and then removed it but I did not get that money back. I called in XXXX  to find out what happened and they said, " you don't owe a loan payment. '' I was stunned. Then they told me my next payment was due on XX/XX/XXXX. I did not believe them so I made a payment in XXXX. I did miss payments in XXXX XXXX XXXX because of the unemployment problems in Florida, I did not receive unemployment those months. When I did get a large deposit of unemployment in XX/XX/XXXX, I brough my loan account current. In XXXX, they called and said I was behind again. This nightmare went on until XXXX of XXXX! I finally emailed a VP at Wells Fargo through XXXX XXXX. I got a call back the next day. At that time, because of the poor accounting, my account was brough current AND I received a credit for the damage done to my driveway and my tires by the illegal repossession. All told {$1100.00} was credited to my account. When I learned that Wells Fargo reached a settlement and I was potentially owed for the illegal repossession of my vehicle, I called the executive office and was told, " we did that as a courtesy, your repossession was completely legal! '' Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX I was scammed out of {$530.00} from a chime " agent '' that called from the actual number of chime support saying there was a issue with my savings account and that I needed to move my money to my checking account in order to fix it due to a XXXX XXXX XXXX being connected to my account and a XXXX XXXX and then I could move my money back once it was fixed that it was the only way to do the reversal for the {$500.00} pending on my account and that {$50.00} was used at a XXXX XXXX XXXX.He then said he would have to have his manager do a payment refund request in order to stop the pending but took the money and when I called the number back it was the chime support number but they claim no agent called me and they denied my dispute twice saying there was no error and still haven't gave my money back so I filed a police report with the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I have notice after receiving my 3-credit reporting. that Avant-WebBank original creditor, had post a charge off and sold. but never added a written off on this item upon, reviewing all 3-credit reporting that this is inaccurate, also it was sold to a third party without my written consent. it is illegal for a collection agency to buy up my debt and come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Certainly, heres the updated complaint with the additional details : -- - XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX Date : XX/XX/2024 Complaint Against Navy Federal Credit Union Regarding an International Wire Transfer Dear Sir/Madam , I am filing this complaint against Navy Federal Credit Union due to unresolved issues concerning an international wire transfer of {$3400.00} that I initiated on XX/XX/2024. The funds were meant for XXXX XXXX XXXX XXXX XXXX XXXX, [ XXXX XXXX and XXXX XXXX XXXX ]. 


I look forward to your timely assistance in this matter to help me recover my funds and ensure that such errors are adequately addressed by the institution. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/2022 XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
On XX/XX/2022, XXXX XXXX closed my credit card account in the amount of {$570.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief