vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Since early XX/XX/2022, I have been trying to get ahold of the right department to inform them that I am unable to make minimum monthly payments due to my employer cutting back hours and seeking a temporary payment arrangement. I keep being put on hold and keep being redirected and with a result of being hung up on. Due to this continuous cycle when I call, I have been charged a late fee. I need someone to help me with hardship monthly payment options until I find a full-time job, I do not want my account to be reported to collections and impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: PA

Complaint narrative:
XX/XX/22, I am very upset with this matter. I sent letters, and police reports via mail regarding fraudulent inaccurate account on my credit report. I also faxed in letters and police reports to Equifax. I feel like Equifax is taking advantage of me by ignoring my disputes and not removing inaccurate account from credit report even after I've provided proof multiple times. Section 611 ( a ) states that failure to investigate these items within 30days gives a reason to immediately remove promptly but month after month Equifax has yet to do so. Due to that law I researched, I demand this account be deleted immediately or I will file litigation due to the stress you cause me. I am begging for help at this point. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: LEXISNEXIS
State: NJ

Complaint narrative:
On XX/XX/2021 & XX/XX/2021, I contacted Lexis Nexis via certified mail asking them to validate how they received information on a bankruptcy that they are reporting on my credit report. I have not received anything In writing as to how they validated this information they are reporting on my credit report. The federal law requires them to respond within a 30 day window and they did not. I also contacted the Bankruptcy Court myself and they told me that they do not furnish this information to any credit reporting agencies. 
Please help me with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
The problem is with this credit card company XXXX. I keep making payments on my bill and they keep changing the amount due. It's like they are trying to get me to pay all of the balance off. It is a very misleading company and no u can't use the card everywhere!!

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Today I received two 1099-INT forms from Citibank ( one is correct, while the other is totally wrong ).

For the first and correct 1099-INT form, it shows my interest income from Citibank in the year of 2021 in both my Checking account and Savings account. Within the checking account interest income, it includes the {$700.00} new account promotional bonus that I received last year. 

For the second but totally wrong 1099-INT form, it shows {$1500.00} Bank Promotions from Citibank. However, I never received this {$1500.00} promotions from Citibank last year at all. Note that I only received {$700.00} promotional bonus in my Citibank Checking account and this {$700.00} bonus was already included and counted in the first 1099-INT form. Apparently this second 1099-INT form in the amount of {$1500.00} is totally WRONG and should NOT exist for my Citibank account at all. Unfortunately both 1099-INT forms were reported to IRS by Citibank.

I request Citibank to take immediate correction to withdraw the wrong 1099-INT form in the amount of {$1500.00} from IRS. Citibank must take immediate correction with IRS and also send me the correction for my record and tax return purpose as well.

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 2022-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
My monthly is payment is due the XXXX of each month. According to the comp at a grace period is provided, however the company begins to call on a daily and multiple times a day before the payment is due. According to them they need to start collecting payment before the due date. Additionally when they call after the due date, they indicate a payment is due before the end of the month, which is before their grace period, otherwise it's negative reporting. This lender has also called references on my application, again before the grace period is up. This lender will not take a payment arrangement. They indicate they need my banking information right than and there to make the arrangement. I have previously spoke with their store manager and he has informed he is not sure why these are the calls I'm recieving, however the calls have resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This is about a previous complaint to the bureau. I was told that I would have to refile, because the AMEX, went back on their resolution promise. That complaint number, is XXXX. This was about a dispute, that was mishandled by AMEX. After telling you, that they had resolved this, they AMEX undid what they did. They took back, Most of the credit given. They gave the merchant, numerous and too many chances, to defend this. As previously stated in the prior complaint, AMEX had to resolve this in 20 days, not 30, because in this case, they are the bank, and the card issuer. After many extensions, disregarding my rights, and not crediting this account, I filed the previous complaint. They credited {$1500.00}. They charged back the {$1500.00}, and issued a credit of {$260.00}. This is a difference, of {$1300.00}. This is not right. They are stating that because the merchant finally responded, with some sort of excuse. The merchant was out of time, and AMEX knew this, but they went ahead and dis-regarded the credit laws, and my rights. Therefore, since AMEX has done this, I want for you to order them to first stand by what they promised you, that they did, meaning credit the full amount, and because they have blatantly disregarded what is right and fair, I want {$10000.00} in monetary compensation paid to me, in addition to the proper crediting of this account. Our ( mine and the primary cardholder ) credit scores, haven been negatively affected by their actions, because the account is over the credit line. I even reached out to the CEO of this company, and he had a corporate associate reach out to me, and all she did was argue the point. She was rude, and argumentative. I have checked and this company has thousands of complaints filed against them, on numerous government websites. It is a disgrace.. Something must be done about them. I am asking for you, the government, to insist on what is right and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MARINER FINANCE, LLC
State: MD

Complaint narrative:
I received a loan from Mariner Finance in early XXXX. Unfortunately I was incarcerated around this time and was unable to make payments on the loan. On XX/XX/XXXX I was still incarcerated but received a letter stating that my account was going into collections, which is understandable. Eventually Im released and on XX/XX/XXXX I called Mariner Finance and spoke with XXXX XXXX XXXX in regards to the letter attempting to collect the debt I owe. I agreed to settle the account and pay {$3500.00}. On XX/XX/XXXX the {$3500.00} was deducted from my XXXX  account and paid to Mariner Finance. The Problem comes when I check my credit report and see that the account is still in collections and still has a balance of {$1000.00}. I attempted to dispute through XXXX but I had no luck it remained the same. I called back on about XX/XX/XXXX to speak with XXXX XXXX, I explained to her that my account was still in collections and I had a balance of {$1000.00}. I asked why and she became very hostile, stating that she is not obligated to explain anything to me. I was taken back because my previous conversation with her was pleasant. So I ended the call and tried other ways to resolve this issue through XXXX. After being incarcerated my personal financial situation took a big hit, but I still attempted to resolve my debt with Mariner finance With the thought that it would repair my credit/credit report also, but that was not the case. XXXX XXXX was polite when I was making the payment to settle the account but never explained to me that it will still remain in collections until paid in full. ( I thought paying a settlement amount actually settles the account ). Why would I make a payment of {$3500.00} to still have my account sit in collections? I feel mislead and taken advantage of by XXXX XXXX, and XXXX XXXX Hostility during our second conversation confirmed to me that she knew she mislead & neglected to inform me of the process & what happens next after I made the payment. I havent yet to receive a letter of payment from Mariner Finance as Promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : SSIRETIREMENT Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am hereby requesting an early exclusion ( deletion ) of XXXX XXXX XXXXXXXX account number XXXX ... ... .. from credit report immediately. This company has a policy where by which persons can request that items be deleted from there credit report up to 6 months before the due date. Its now 6 months before this account will drop off my credit report. This is based on the last credit report that I got from Transunion. The XXXX XXXXXXXX XXXX account is scheduled to fall off my credit report in XX/XX/2022. 
I am therefore asking Transunion to grant me an early exclusion and delete this account from my credit report immediately please and Thanks in Advance.

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On New Years Eve I lost my wallet and phone in my XXXX I took to XXXX XXXX at XXXX pm. I left the car and noticed my wallet and phone was not on my person. I kept calling Chase bank which is where I had my debit card from in my wallet with. And could not get in contact with someone until someone used {$2800.00} through transactions at a bar and dispersing {$500.00} from ATM using my pin code which they gave out. I submitted a claim on the XXXX of XXXX and was told not to file a police report. Now Chase has informed me the Charges are authorized because the chip on debit cards prevents all fraudulent transactions. I finally reached Chase at XXXX to cancel my debit card but it was already to late, the culprit already made their purchases with my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please address my attached letters that were sent to your company that were sent to your company 14 days ago via mail and experian upload!

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 2022-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America gave customers, to include myself, a credit ( advance ) on XX/XX/2021 that I did not give my consent to. I do not have overdraft protection either. They charged me fees for transactions they allowed to go through when they shouldn't have as I did not set up overdraft protection. If there is no money in my account, no transactions are supposed to go through. And, I filed for bankruptcy so any fees like that were supposed to be returned to my account. On XX/XX/XXXX, they took back the credit that I did not consent to which caused my mortgage check to bounce and they charged me a {$35.00} NSF fee which they will not reverse. The agent I spoke to on the phone stated that the IRS mandated that they provide an advance credit. I asked for the letter in writing where the government mandated this and the consent form to advance credit my account which again, I did not ask for nor give my consent. She said she could not provide that and I asked her for someone to call me back today with when I can expect those documents as I need to resolve this because my mortgage check bounced and I now do not have the funds to cover it due to them taking this {$500.00} out of my account. I asked why they did not take those funds back as soon as the credit hit my account as we had been getting this credit for several months in 2021 for the IRS. She said it was to give people a break which makes no sense. No one called me back. I called again and they said that there were no notes from my call about what I asked to be provided to me. They said someone would call me back today but no one ever did.

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 2022-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My only names are : XXXX XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX  Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : 1 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 2 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX 3 ) XXXX XXXX XXXX XXXX, GA XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX 5 ) XXXX XXXX XXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX XXXXXXXX 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 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
I received a copy of my credit report and this company are reporting incorrect information to the credit bureaus, a collection that is not mine. 
To whom may concern After all the due diligences I have done, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

PURSUANT 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. YOU AMERIFINANCIAL SOLUTION LLC IS conveying of information regarding a debt indirectly to the credit bureaus XXXX, XXXX, XXXX. I demand you to stop this illegal activity immediately and delete this alleged account from my consumer report. 
Attahched all documents with instructions to AMERIFINANCIAL SOLUTION LLC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
I sent a certified cease and desist letter to waypoint on XX/XX/2022 and it was received on and signed for on XX/XX/2022. fraudulently attempting to collect a debt not owed. According to 15 usc 1692c ( c ) after a debt collector receives the debt collector to cease further communication with the consumer, communication is defined according to 15 U.S. Code 1692a ( 2 ). The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium. Waypoint is still falsely reporting on my credit report after receiving the cease and desist letter from a debt that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
On XX/XX/2021, Flagstar representative name XXXX at the corporate office was unable to resolve my issue or offer any assistance. Instead, the representative immediately transferred the military veteran home mortgage borrower to the Forbearance program. 

On XX/XX/2021, a Flagstar representative informed me it generally takes about 4 weeks to process Loan Modification Loan. 

On XX/XX/2021, a Flagstar representative name XXXX verbally confirmed all requested documentation including a completely signed and certified Modification Agreement was received. XXXX also informed me the company had not updated their system to reflect the due date of my modified loan mortgage monthly payment amount. 
XXXX requested I provide my bank routing and account number as the only means of making a mortgage payment. 

To date the military veteran home owner has not received a written final determination regarding the loss mitigation/modified loan agreement.

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 2022-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I transfers a total of {$2000.00} by way of two {$1000.00} transactions on XX/XX/2021. On XX/XX/2021, the funds cleared my back and was placed in my PayPal account balance. In the same day, PayPal put a restriction on my account to where XXXX cant access my hard earned money and stated that I must wait 180 days to have access to the funds In my Paypal account. My bank rep contacted PayPal to resolve the matter letting paypal know that the funds are legitimate but still no success. I called several times and was asked to submit documents such as bank statement and I'd but still my account was still restricted. The case number in regards to this issue is : ( Ref ID - XXXX ) which was provided by PayPal! PayPal makes it virtually impossible to appeal or review the decisions made by them concerning your account and the money held hostage by them.

Company response to consumer: Closed with explanation