vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Today I called Victoria Secret to try to settle this account, because it has been showing up on my credit report for awhile. I didn't open this account nor did I authorize anyone that they could open this account in my name. I've disputed this account multiple times as not being mines sent police report. I see a couple of years back someone made payments on this account, but it wasn't me or my bank account. Well I'm in the process of trying to buy a home and my lender asked me to call them to try to settle just so it's not showing a balance. I called Victoria Secret and spoke to an XXXX and I told her that I wanted to speak to someone regarding the charged-off account. She then transferred me to another lady in another department that answered that she was with Comenity Bank that was so rude, condescending, and unprofessional. This is one of the reasons why I never applied for a card with this company, they're XXXX when you go in they pick and choose who they greet and assist while in store. Well the young lady asked how could she help me. I explained that I was calling regarding a charged-off account with Victoria Secret and I wanted to settle and pay it off. She then stated that the amount was {$1000.00}. I say yah don't have a payment option since it's COVID. She got snooty and said Ma'am there hasn't been a payment made since 2018, like ( XXXX you haven't paid this bill and I'm not willing to help you ). I then said I'm aware I don't like your tone and I want to speak to someone else, because you're talking to me like I'm an XXXX she laughed and said okay then hung up. This is the reason for the filing of this complaint. THIS CALL NEEDS TO BE LISTENED TO AND SHE NEED CORRECTIVE ACTIONS DONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
This complaint is against Square , Inc., having its offices at XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX, CA XXXX and its affiliated unit, styled as Cash App. Square has stolen {$3000.00} from me and has never offered a clear explanation Despite my and the payees repeated attempts over the past six months to explain the problem and achieve resolution. Funds in the amount of {$3.00}, 000.00 were transferred from my personal bank account to my Square, Inc. account, but never received into the accounts of the designated payee. Square has ignored us and has stated, through innumerable emails, that they can do nothing. 
The substantial amount of this theft by Cash App is causing extreme financial distress for our family. 
On XX/XX/2020 I used CashApp XXXX XXXX XXXX XXXX to transfer {$3000.00} to XXXX XXXX ( payee ) for expenses he had incurred to repair his mothers dwelling. The funds were removed on XX/XX/2020 from my personal bank checking account, but were never received into the account of the payee [ $ XXXX ]. Payee had, prior to XX/XX/XXXX, closed that account and had subsequently opened a new account [ $ XXXX ]. 
On XX/XX/2020 I requested the funds be returned to me ; Cash App has responded that such would be impossible, stating finally on XX/XX/XXXX : After checking your account, I can see the {$3000.00} paid to $ XXXX on XX/XX/2020 at XXXX XXXX XXXX  has been completed, Cash App is unable to cancel or refund completed payments. If you would like to recover your funds, please have the recipient reach out to us. 
During this ordeal, both I and the payee have tried many times to get this resolved with Cash Apps customer service agents and to either have the {$3000.00} returned to the Payer or sent to the Payee. We have timely submitted every piece of information they have required in order to verify the account.

These are excerpts from emails sent to the Payee ( full email messages attached to this complaint ) showing Cash Apps inability to adequately explain how the {$3000.00} could be recovered : XX/XX/2020 : I know that not being able to access the funds involved is inconvenient and can be a stressful situation. You may be able to contact your local law enforcement., and file a report. Cash App will fully cooperate in the investigation. I do not have any new information to provide regarding this issue. 
XX/XX/2020 : After taking a look into your account, I am able tpo see that your request to access to the account was not approved. For security reasons, we can not reverse this decision ad are unable to provide additional details. 
XX/XX/2020 : Were unable to verify the information youve provided to merge these accounts together. Moving forward, you will not be able to access your previous account. 
XX/XX/2020 : I can see that your {$3000.00} are in $ XXXX but you requested the merge from another account different from this XXXX $ XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Resources, Inc.
State: NM

Complaint narrative:
A collection account appeared on my credit report by " collection resources Inc '' and significantly impacted my credit score while in the process of obtaining a mortgage. I called the company and it became clear that they never had my full address or phone number and I never received a collection notice. I paid the account in full and would like this account to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: UT

Complaint narrative:
XX/XX/XXXX : Closed account XX/XX/XXXX : No check had arrived, so I contacted them and submitted a declaration of lost check XX/XX/XXXX : Submitted a corrected declaration of lost check XX/XX/XXXX : Contacted again after check had still not arrived XX/XX/XXXX : Issue closed and told check had been mailed and would take 7-10 business days XX/XX/XXXX : Still no check - contacted again, told that check had not gone out and was told to expect a response in a day or two on what happened XX/XX/XXXX : Still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Upon viewing my credit report, and attempting to view a bill, both Midland accounts had their amounts changed, and terms dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I tried to obtain An installment loan and I met the requirements from the initial underwriter XXXX ..but as we got closer and closer to me signing the underwriters documents ... XXXX asked me to come in to give them documents that I could not receive as it was advertised on the news that transcripts/ taxes for 2020 are delayed .. I also had someone from the XXXX on the phone at the same time as XXXX explain that it was too early to provide transcripts ..I provided my tax returns from XXXX  and I underwriter claimed that wasnt enough.. 
Afterwards the underwriter asked me to clarify a car loan that reported on my credit report ..once I verified it she asked if my car note was lower which had nothing to do with my debt to income ratio recorded ..everything was fine until I sent in my id ... i feel XXXX discriminated against and its not right

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: ZIONS BANCORPORATION
State: ID

Complaint narrative:
I asked to be removed from a Zions Bank credit card joint account with my ex-wife. I sent a letter on XX/XX/XXXX asking to have my name removed from this account. I was contacted on my phone by a Zions Bank representative on XX/XX/XXXX, from Zions phone at XXXX. The representative said that my name could not be removed at that time because there was still a balance of {$940.00}. He said that when it is paid off in full, I could have my name removed. It was paid off in XX/XX/XXXX, so I asked again through a letter on XX/XX/XXXX to be removed from this account. I heard nothing from Zions Bank and it still is shown as a joint account. My ex-wife is now charging again on this account and it is charged up to {$1500.00}. I should not be held responsible. This account was issued to my ex-wife and I on XXXX, XXXX, XXXX. I no longer live at the same address as my ex-wife. She and I are now divorced since XX/XX/XXXX. I wish to have my name completely removed from this account. I do not want to be held responsible for any charges to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
This is a formal complaint against American Honda located in XXXX, Georgia. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, American Honda has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: NJ

Complaint narrative:
Company named Checkr reported back to my employer that my Motor Vehicle record stated that on : XX/XX/2019 I was charged with obstructing passage of other vehicle.. This is incorrect ... 
XX/XX/2019. Involved in accident .... This is incorrect ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal.  XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: Conn's, Inc.
State: TX

Complaint narrative:
There is a credit inquiry from Conns XXXX. I didnt submit an application with Conns. I received an alert today XX/XX/2021 from XXXX XXXX, this inquiry is in my XXXX report. I sent en email to XXXX XXXX  about this and am waiting to here back. After work I will request a credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I noticed these fraudulent inquiries on my XXXX credit report and I've disputed them several times with the companies and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Feldman & Stern, LLC
State: FL

Complaint narrative:
Starting on XX/XX/01 a person going as XXXX XXXX said he was an attorney, if I didn't pay a gym membership to a gym I didn't attend, said if I don't pay XXXX hr will have my wages and they will take everything owned by me, furniture, TVs etc. He told me to borrow the money. I told him this was a pandemic, we arent in a XXXX  pandemic. Said use your stimulus money. I said I can call back in a week and he no because he knows I'll have anotheXXXX XXXX XXXX  Excuse. 

Hes been calling and leaving messages everyday since then/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2021 at XXXX XXXX. I sent two faxes to XXXX XXXX XXXX  fax number XXXX today XX/XX/XXXX, I received a letter from them claiming that they received my request but they need me to send in exactly what I faxed them again. The paperwork i faxed contained my social security number and a copy of my passport id. 
I contacted them twice. the second time after being told they had no record of the faxes. I spoke to XXXX ID number XXXX she refused to answer any of my questions directly. she put me on hold twice and told me that she had no record of it and that I had to resend it. 
I had my passport ID and my social security number and I faxed it to their National fax number. yet they're vague about where it is and claiming that they never got it. The phone calls should be recorded but I am uncomfortable resending personal information ti people who are that vile and disgusting. I think this should be investigated thoroughly by the law. I do not trust them and I will not be resubmitting it if they already received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have contacted all parties ( XXXX TransUnion, XXXX, and XXXX XXXX XXXX trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: TN

Complaint narrative:
I have contacted all parties ( XXXX XXXX Equifax, and XXXX XXXX ) trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
i had auto and home insurance with XXXX XXXX which was for six months. I switched to another insurance company which i have had since the six months were discontinued. the only reason i left because they were too expansive. I received a credit collections for {$330.00} from a collections company and i am not sure why since i don't have that contract with the insurance company. 

My cancel date XX/XX/XXXX auto and home insurance XXXX XXXX cancel date XX/XX/XXXX Date for Collections XX/XX/XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Back in XXXX i contacted the nelnet department regarding settling with lowering my payments and i was told to fill out a defer form, which i tried to submit.The school no longer exist and there were allot of fraud going on with the XXXX XXXX XXXX which i attended back in XXXX .I offered everything i possible can to get some help and i can not seem to get any help.The amount that was stated was XXXX dollars which is not accurate. I feel like i was scammed out of an inaccurate amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
XXXX ( ID number XXXX XXXX a customer service agent for Citibank was rude and not helpful when I tried to remove someone from my authorized user list. She stated that she needed the social security number of that person. She could not explain why she needed it or give me the option of removing the person without it. 
She was rude and talked over me several times. 
I asked for her XXXX  and she said one is not avaiable and I should call back in 30 minutes. 
I said I wanted a call back and she said she couldn't do that. 
Then she said the call was unproductive and she hung up on me. 
The time and date of the call was XX/XX/2021 at about XXXX to XXXX XXXX. 

In the end, I did not get the person removed and had to call back again to talk to another person to get the name 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