vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NOVA Financial Holding Company, LLC
State: CA

Complaint narrative:
Description of Complaint : I want to file an unethical and unprofessional harassment complaint against an employee of Nova Home loans. His name is XXXX XXXX and he is a loan officer. 
I was treated rudely and XXXX XXXX would speak to me and lecture me as if I was an ignorant person. He would not speak to my husband that way but because I am a woman, and my personal opinion is he was discriminatory towards me. My last conversation with him via text on XX/XX/23. He was rude, pushy mean and nasty and very unprofessional. I have all the texts to prove his unruly behavior. He needs more training in his field of work especially when dealing with women. There is no excuse for His behavior and I believe it should be brought to his attention with reprimand.

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 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Comenity Bank has been wrongly reporting the account as overdue/delinquent and spoiling my credit history and FICO score XXXX I had a balance of {$3900.00} pending payment on XX/XX/2022 cycle.From XX/XX/XXXX till XXXX XXXX, Comenity bank payment systems were down and it was all over the news. I made the payment of the entire remaining balance of {$3900.00} in XXXX as soon as the systems were up. I even called them to make sure that the balance amount is paid and there should be no late payments or charges as their systems were down. The payment was posted and deducted on XX/XX/XXXX from my checking account. I have not used this card ever since. And nobody contacted me until first week of XX/XX/2022 saying, $ XXXX cents was not paid in XXXX and it has accumulated late fees. After multiple calls, they opened a dispute - XXXXThey said it was a mistake at their end and they have not sent a balance letter or called me ever since. But I started receiving emails from all the credit unions that an account is delinquent and my credit score has dropped. And when I login to XXXX, I see Comenity bank reporting that I have not paid since XX/XX/2022. They have not pushed balance history from XX/XX/2022 to XX/XX/2022 to any credit unions. I can share all the statements to prove this. Please help me get my credit score back on track.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being 1005 correct. This information has effected my life and damaged my livelyhood.

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: GA

Complaint narrative:
Through XXXX there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed XXXX XX/XX/XXXX Through Equifax there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
Flagstar closed my checking account due to my having a {$0.00} dollar balance for over 90 days. I am fine with this. I had opened an account elsewhere after they had two data breaches within 6 months of each other and my personal information was exposed twice. I was in the process of closing this account myself, so I don't have any issue with them closing it. My issue is that as soon as they closed it, I was unable to access my past statements via their website EVEN THOUGH I could still log in ok. After numerous calls and chats with their reps, I was told they could mail me copies but for a fee of {$5.00} per statement. One, I don't want physical copies, I want digital copies to to store with my other statements from them. Two, I am not asking for years worth of statements, I only want the past year before closing. Three, I have a right to my statements and there is no reason to not allowing me to digitally download them, other than for them to exploit me. Four, it's tax now time, and I don't have access to my financial records. This should be illegal.

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 2023-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Dear [ Collection Agency Name ], I am writing to formally dispute a debt that your company claims I owe to XXXX XXXX. According to your records, the amount of the debt is {$59.00}. 
As a responsible consumer, I am entitled to request validation of any debt being collected from me, as outlined in the Fair Debt Collection Practices Act. Therefore, I am formally requesting that you provide me with the following documents to validate this debt : 1. A copy of the original contract or agreement between myself and XXXX XXXX, showing that I am responsible for the debt. 
2. A complete payment history for the debt, including any payments that have been made, the dates they were made, and the method of payment.

3. Copies of any billing statements or invoices that show the charges being claimed as part of this debt.

4. Any other documentation that may be necessary to prove the validity of this debt.

I kindly request that you provide me with these documents within 30 days of receiving this letter. If you are unable to provide me with the requested documentation, I ask that you cease all collection activities and remove this debt from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
CAN NOT log in to equifax to remove freeze- can not get through to company to fix issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Date : XX/XX/22, I sent them a letter heres my tracking number. XXXX to Early warning. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is harming my ability to obtain checking accounts and credit. Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my checking account reports. This company did not process my dispute when I sent this with tracking. Also, I asked for them to send me records indicating those accounts on file needs to be deleted. They still not have corrected this error, I am litigious about getting this errors off my report. I can not open a checking account anywhere because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex Platinum : Please see the attached screenshots of my chat with representatives at American Express. I asked if I could download all of it, but was told there was no way they were able to do so. 

I have had horrific issues with both of my American Express accounts. 

Regarding my Amex Platinum : The annual charge for {$690.00} appeared on my statement and I was having a difficult time financially. I reached out to them to explain what was going on and asked if it was possible for me to perhaps pay the fee the following month. ( Although I dont know why, I knew they wouldnt help me. ) But, I was told I qualified for their green card which would lower my rate to $ XXXX. instead of the ( absurd ) $ XXXX. A {$690.00} fee, especially considering the fact that my credit limit was never more than {$4200.00} is ridiculous. I looked at my statement a couple of weeks later and the fee still had not changed. I specifically asked if lowering the fee to {$150.00} would affect my credit, credit limit or my account in any way and I was told no. 

I honestly dont know what they did. I just know that none of it was what I requested, none of it was made clear in any way shape or form and I feel like I was, I guess, tricked. 

Because business was slow, I opened another credit card specifically to transfer {$2500.00} to this Amex card to get the balance down. About 3 days after initiating the transfer I logged onto my account and saw that I was now over my spending limit and past due because the actual product, my Amex Platinum, was changed to a completely different card ; the credit limit was lowered so much that it put me over my spending limit and the {$2500.00} payment wouldnt have even brought it under the limit. 

What they did is so unethical and immoral. I have a hard time believing its even legal. 

If you could take the time to read through the screenshots I would appreciate it. I worked so hard to fix my credit ; it took me a very long time after my divorce and just the fact that I was able to get that credit card made me feel so good about myself. I try so hard and it never seems to matter. 

Thank you in advance for your time and attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX ( this is the second account listed with this company ), XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX XXXX there's two accounts listed with this company ) , 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance 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. 

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 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 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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance 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. 

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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Equity Auto Finance, Inc.
State: FL

Complaint narrative:
As of XX/XX/2023 my account on my vehicle was 35 days past due. On XX/XX/2023 the vehicle was repossessed without notice. After paying over $ XXXX on the vehicle

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( AUTO ), XXXX XXXX XXXX ( AUTO ) - DELETE ALL HARD INQUIRES AND COLLECTIONS.

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 2023-03-12 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: MD

Complaint narrative:
During XX/XX/XXXX, I placed an online order with XXXX XXXX. The transaction was charged to my XXXX account. Being a consumer of XXXX for over 20 years my expectations were that XXXX would forward the account bill to the correct address of record. However, I discovered via written notice ( XX/XX/XXXX ) from my personal Credit alert company that XXXX reported this account as 30 days delinquent. I did not receive a bill at the correct address from the XXXX. Upon receiving the alert I immediately paid the bill ( {$33.00} ) in full through XXXX 's automated phone pay system. My payment history during these years has been satisfactory. I believe it is unreasonable and unfair to have reported this negative information. Particularly in view of XXXX 's failure to forward the bill to the correct address and then subsequently punish the consumer by reporting the negative information ( delinquency ) on the credit file. I attempted to resolve this matter directly with XXXX on XX/XX/XXXX. Their position was one of refusal to remove remark unless there was evidence from the United States Post Office of the alleged original bill being returned to XXXX XXXX On the question of what address did XXXX originally send the bill to their staff stated they had no record.

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 2023-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Delete these hard and soft inquiry from my report never gave companies written permission to pull my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank Saving Account promotion Deposit earn one percent bonus up to {$500.00} not received I have contact the bank XX/XX/23 confirmation # XXXX but not call back.

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 2023-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OR

Complaint narrative:
I havent been contacted regarding the debt, and I didnt know I had an account in collections until a couple months ago. I have been disputing the debt and trying to contact Hunter Warfield since then. The company has not verified the debt for me or been in contact with me regarding the debt. I tried to get ahold of the original creditor and they refused to communicate with me, and said to speak with the collections company. The collections company has incorrect dates as well, the debt is dated from XXXX of XXXX, but I was on the other side of the country at that time. The amount owed is incorrect as well, the original creditor had assured us there would be no financial charges according to our rights under state law. However, they will not speak with me since this conversation in XXXX of XXXX. The amount has also been increasing despite zero contact from them or proof of debt. Hunter Warfield did not provide any contact information or way to reach them until my denied dispute, and still will not confirm the debt for me. I do not think they are investigating proof of debt, and I am concerned by the lack of communication.

Company response to consumer: Closed with explanation