vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX has called me and my workplace multiple times throughout day and refuse to stop. Debt was paid in 2008 and has evidently been sold repeatedly and more fees tacked on. They are also threatening whoever answers phone at workplace to deliver messages. When I called XXXX XXXX XXXX they denied calls and said it was delivery service and not them yet that is how I got their number and reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a Citi XXXX XXXX XXXX XXXX credit card before, and I called Citi last XXXX and did a product change to Citi XXXX credit card. I was told that all points earned from XXXX XXXX XXXX XXXX card needs to be redeemed or transferred out before 90 days after the product change, otherwise they will be forfeited. I am aware of the policy, so no problem. 

After that, I tried to figure out the exact amount of points which would be forfeited so I can use them. Since all my credit cards are linked to the same XXXX account, I couldn't find anything on the website, so I called XXXX customer service, and asked the question. I was told the amount was XXXX thousands-ish points, so I transferred XXXX points out. 

Then coming this XXXX, suddenly I found out that I lost XXXX points from my XXXX account. I called their customer service, and was told the points were forfeited because of account closure. I told them the whole story, and insisted to talk with a supervisor on this. Since then, I've had multiple cases open, and XXXX of the supervisors was very friendly and tried to help me reinstate the points, but couldn't do it because of access limitation. 

I called them today again for my ( probably ) third ticket on this. ( Case number XXXX ) The representative told me she understands my situation and was very sorry, but the team handling my case wouldn't reinstate my points for me. The points worth at least {$1100.00}. 

In summary, I did everything right within my ability, but lost my XXXX points because XXXX  customer service told me incorrect 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 2022-03-18 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX  has me at a credit score over XXXXtransunion  has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Hi, I filed a complaint last year because my account was closed, by time the check arrive it had already expired. The check was for balance that was in my account when it was closed. I dont know if it was mail delays or the bank itself, I would just like a new check. I have tried for months to get one. Ive been told I would have a form sent 3 separate times, this apparent form was to fill out the information to have a new check issued to me. Each time I have waited months in-between and now feel like I'm purposely getting bad information. It has never arrived. Its been to long and I just want my money. They have kept it collecting interest while not trying to fix my problem. 

I am at the same address nothing has changed with my information from before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.

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 2022-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXXhat you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am XXXX that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-18 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: PA

Complaint narrative:
This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, natural person, and the original creditor of an open-end credit plan, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). VELOCITY INVESTMENTS , LLC d/b/a CKS PRIME INVESTMENTS , LLC has parked an alleged owed debt, Account Number : XXXX, on my consumer report pursuant to 15 USC 1692d ( 4 ) and this is an invasion of my privacy. Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I checked my credit report today and noticed an inquiry from BARCLAYS BANK DELAWARE that I never made. It was requested on XX/XX/2021. I called the company at ( XXXX ) XXXX to inquire. they checked their system and stated they had no information about that inquiry.

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 2022-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: CA

Complaint narrative:
Due to a unfortunate event of COVID-19, We were granted 6 moths of forbearance from XX/XX/XXXX to XX/XX/XXXX, I was told by employee of ( XXXX XXXX XXXX ) after that i can submit doc to differed the un paid mortgage, in XXXX of XXXX i submitted the request and income verification but no answer, I calld them in XX/XX/XXXX as the status of my case, i was told they transfer the loan to new servicer ( XXXX XXXX ), i called the new servicer i was told it takes 2 months for them to get the documents from ( XXXX XXXX XXXX ) no answer for 3 months always losing or wanting more paper work, and since XXXX of XXXX they will not take my regular payments, I was told by XXXX XXXX they have NOD on the system and will not accept any payment, no NOD was recorded and i did not have any notice send to me by them, i asked them send me any document, they did not.i asked them what happened to package application for loo mitigation no answer from them just we just transfer you loan to new servicer, SN SERVICING CORP XXXX XX/XX/XXXX, I contacted SN serving corp they have assigned me to a case manager after several attempt finally got hold of her, I WAS TOLD WE ARE NOT PART OF ANY COVID PROGRAM YOU NEED TO PAY ALL THE MOMEY U OWE, They play a game than you owe alot and they would not help and they foreclose. 
I ASKED HER IF I SEND HER NEW PAPER WORK ( LOAN ) PACKAGE WILL THAT HELP?, I TRIED TO MAKE MY PAYMENT SINCE XX/XX/XXXX SHE REPLIED THAT WILL NOT HELP, YOU WILL LOSE YOUR 2 % FIX RATE FOR LIFE OF THE LOAN YOU have, AND YOU MAY GET4.75 % AND BIG DOWN PAYMENT.I asked her to send me loss mitigation on XXXX and today is XXXX, for past 10 days i tried to get hold of her leaving voice mail nothing is happening, I called today XXXX i was told she is in the office and as usual she was not in the office, another asset manager said she will e mail her and SHE WILL BE IN THE OFFICE MONDAY XXXX Am a veteran of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX, XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX This loan was fraud from inception 1 month mta with negative amortization i was employee of XXXX when this loan was made, in XXXX i know all about it. Me and my family are going throw bad time for thinking of what is going on, specially we are capable to make our payments .all i tried is to make my payment after XXXX  months of help with forbearance, I wish i never accepted that help. on behalf om me and my family greatly appreciate your attention .Best wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: MI

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$230.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXL ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX  XXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX  XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}

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 2022-03-18 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I filed a dispute in regards incorrect items on my credit report. it's been well over 30 day and I still haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: VA

Complaint narrative:
I filed several complaints with Experian, XXXX  and I have already submitted a complaint with the CFPB. My problem is still not resolved. The company XXXX XXXX is reporting as an open account on my Experian credit report. This account has been closed and gone to collections. I did not open this account. The account was opened in my name when I was living in an apartment with several people, and I can not identify who used my information. XXXX does not have any signature for me on file or any record of speaking to me or doing legitimate business with me. Every few weeks, I receive notifications from Experian that I have made another late payment, but I also receive notifications from them that I have gone over a year with no late payments. The information in their system is clearly inaccurate and presenting this incorrect information to lenders is extremely unfair to me. XXXX has not properly communicated to Experian that the account is in collections, and so Experian frequently, randomly deducts points from my score as if I just recently missed a payment. I have a flawless payment history, and it is unfair for this incorrect information to still represent me on my credit report. After I filed my complaint with the CFPB, nothing changed. The CFPB closed my complaint with Experian on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. In XXXX 's response to me through the CFPB, they indicated that they fully knew " the loan was charged off on XX/XX/XXXX '', but still stated " we have confirmed that all credit reporting is accurate and will have to respectfully decline your request ''. They have also told me they are aware the account is in collectoins verbally on the phone, and said they made an error, and should have indicated to Experian the account was in collections in XX/XX/XXXX, but now it is " too late '' for them to change the status. It is even written on my Experian credit report that the account is in collections. Yet, the account just appears under the " closed account '' tab and I am constantly penalized for making " late payments. '' As I attempt to further investigate who wrongfully used my information to open this account, Experian at the very least should stop continuously penalizing me for an account that went into collections XXXX of XXXX, and properly indicate that the account is in collections, and has been since that date.

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