vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-25 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC Bank used to have a decent rewards program, which I used several times to redeem points for travel. Wanting to use it again, I called in XX/XX/XXXX, and was told that XXXX points would give me a {$400.00} credit. I had over XXXX reward points then, and purchased a ticket on XXXX XXXX. ( {$1100.00}, and seats for {$62.00} and {$64.00} ). On XXXX XXXX, I called to redeem XXXX points for an {$800.00} credit. A veritable horror story started then. I was told the rewards program changed at the start of XXXX, and I could not get my credit the same way ( there was one email telling us that it changed, but no indication that redemption ratios also changed ). I spent days calling, getting absolutely nowhere. Later, I emailed and emailed ... a nightmare. I got a final email on XXXX XXXX, telling me that I got some credit for the purchase, and leaving me with about XXXX points ( in the meantime, the seat price was refunded because the flight was cancelled and rescheduled ). I believe that HSBC owes me at least XXXX points still, because - as staff admitted - I should fall under the previous rules, since the purchase was in XXXX ( My initial interactions were with staff in XXXX, from what I gather, and their indifference/incompetence was hard to believe. ) Even with new rules, XXXX points equal at least {$100.00}. I emailed again, but got no response. Please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: FL

Complaint narrative:
I called Equifax and I was informed to send my id social and bill. I sent them everything. They have inquiries that do not belong to me. I provided them police report and I was told it would take 72 hours for the items to be removed. They are still there after months of me speaking with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: STATE FARM BANK, FSB
State: VA

Complaint narrative:
My mother has a car loan through State farm bank. I am the XXXX of the will and the only heir to the estate. I was told to supply the death certificate and the court declaration documentation from the local courthouse showing that I am the XXXX of the estate. I supplied those documents. Now state farm back is requesting different documents. They are stating that the documentation I have is not correct. They want me to obtain a small estate document from the courts for this one asset. The courts will not let me supply that form because the estate is too large to use the documents they are requesting. I am at a standstill with the bank. I have requested a call from a manager. They have not called back to get this settled and I am unsure how I can proceed. This is the smallest bank asset and the only bank I am having issues with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
On XX/XX/2021, I called Velo collection attorneys to resolve a {$1400.00} debt I have with XXXX XXXX. The unprofessional woman I spoke to adv me that I now owe over {$1700.00} for all accounts attached to my social security # ... I do not have any other debts and after I had to press her to explain where the extra accounts are coming from she then stated the the extra fees are from their office. I said ok I would like to pay the {$1400.00} and settle this debt TODAY to be done with it. The agent then stated that they would be more than willing to take my payment but that will not settle the debt. She stated I would still have to go through 'settle process '. My question to her was then so why would I pay you all {$1400.00} today if the debt may not be settled? I then asked for a supervisor and she told me I would have to put the request in writing to have a supervisor to call me back. ( what established reputable company is actually requesting written requests for a supervisor call back not to mention hand writing a letter during a pandemic ) At this point I asked what is the settlement process and after she advised me I then advised so now my settlement offer will now be {$500.00}!!! I tried to pay what I owe since I have the money, thanks to the stimulus money, but this company is totally full of it and now I can only pay according to my expenses because I am sure something else will come along for me to use the money for. 
So to sum it all up I want to resolve/settle this debt on the same day because I think we can all agree that it can take up to 10 business days for a this company to get my written request via the mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I contacted Nissan XXXX and hit for COVID-I informed Nissan that i got laid off from my job struggling to make payments and have been charged over {$250.00} in late payments for the past year during the Pandemic. Nissan rep said he couldnt remove any late fees. He did say on XX/XX/2021 that they could change my due date from the XXXX to the XXXX. He couldnt make the change until I made my next payment and to call once I made pmt. I have made my XXXX payment and called today XX/XX/2021 spoke with XXXX # XXXX, supervisor as she admitted to and said it was a mistake and we cant change the due date because I used it up, whether I did or not, I informed XXXX that you promised to change my pmt date regardless, and if its your mistake, you need to honor as she refused to change due date. I asked for her superior and spoke with XXXX XXXX as she as well refused to change due date. 
CFPB question, This lender can say anything and lie to me and come back to say it was a mistake? Do I not have rights. Nissan should be held accountable for their actions as they clearly stated and admitted to. If they make mistakes they just say Oh I made a mistake?

Not only did they lie to me, they refused to assist during COVID and refused to approve me for any programs. 
They need to remove this recording from their XXXX if they do not assist during COVID, as they are illegally advertising assistance for those affected with COVID loss of job.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NJ

Complaint narrative:
1- My credit score through Experian decreases even when I pay my credit card balance in full And when I check my Experian credit score through XXXXXXXX XXXX it show that my credit score is XXXX however when I check my Experian credit score through XXXXXXXX XXXX  it showed XXXX it is almost 30 points less however its both through Experian. 

2- Also still show that my account with absolute resolutions which was already paid in full is still on my credit report as delinquent.

3-My credit report with Experian shows that I still owe money to XXXX XXXX XXXX however I paid them in full 4- i have several credit cards that I have XXXX balance on all of them except one card only that I use it and pay it in full before the due date however I expect due to that I dont have balance on my credit cards, it means that my credit score should be increasing however my credit increases for few days then decreases against with no reason 5- I have tried to dispute some accounts on my Experian credit report but it never been removed from my credit report yet.

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 2021-03-25 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
on XX/XX/2021 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed 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. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer application, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
A wire transfer was sent to an account at Regions Bank and the money was either released to that account or withheld and not returned back to the sender. The bank account name on the wire transfer did not match the name on the account at Regions Bank. Regions Bank is not returning the money and not communicating with the sender or sending financial institution. 

On Tuesday, XX/XX/XXXX at XXXX, I sent a wire transfer for the amount of {$24000.00} to an account under the name of XXXX XXXXXXXX XXXX at Regions Bank . 

On Friday, XX/XX/XXXX, I received a phone call from my bank notifying me that the beneficiary name listed on the wire transfer ( XXXX XXXX XXXX ) did not match with the name of account at Regions Bank. Regions Bank requested me to sign a Hold Harmless form IF the funds were fraud. 

On Friday, XX/XX/XXXX, my bank requested that the money be returned back to me from Regions Bank so that I may re-send wire transfer with the correct information. 

On Monday, XX/XX/XXXX, I was contacted by the recipient of the wire transfer via email that they received the money and withdrew a portion of it to use. Regions Bank did not confirm with me or my bank the correct name on the account receiving the money. 

On XX/XX/XXXX, Regions Bank requested that I sign a Hold Harmless form again although we had requested the money be returned back to me multiple times. 

On Tuesday, XX/XX/XXXX, my bank informed me that Regions Bank had not returned the {$24000.00}. 

On XX/XX/XXXX, Regions Bank requests a Hold Harmless form again from me. 

On XX/XX/XXXX, my bank replies to Regions Bank that the funds are not fraudulent and that I will not sign a Hold Harmless. They also state that the wire should be returned if the information does not match Regions Bank 's records. 

XX/XX/XXXX, the money has still not been returned after multiple requests.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX  XXXX  and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the Assistant Manager of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection XXXX XXXX is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: IL

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I spoke to the credit bureau about the issues that needed to be fixed. I sent in everything that they asked for several times for months. The items are still showing. I am again sending what they asked for. It has been going on for months.

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 2021-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
Original Complaint : XXXX I never had any communication with the debt collect Berlin-Wheeler. Berlin Wheeler never contacted me with the notification or verification of debt to provide me an opportunity to pay the debt. I paid the debt directly to XXXX XXXX when the negative account appeared on my credit report. 

I moved XX/XX/2020. I do not believe this Collection Agency was in possession of my correct address or phone number so there is not way they sent me a notification of this debt. The company has since adjusted the balance to owed to Berlin Wheeler but did not remove the blemish from my report.

This collection should have not been placed on my credit report without prior notification. In the first paragraph if the response provided by the company states that their attempts to contact me were unsuccessful but they still reported the negative information on my credit file.

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 2021-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX Netspend closed the account Ive had open for over 10 years due to a secondary cardholder being deceased. Since XXXX, Ive asked to have both of the other cardholders names removed from account but was told that was impossible. One of those cardholders passed away XX/XX/XXXX. The more than {$9000.00} in the account has been deposited over time in my name only & is legally my money, however Netspend is refusing to release those funds to me. Their basis is that the federal government will not allow those funds to be released to me because a secondary cardholder is now deceased. They keep repeating that they have to return the money to the senders ( from over time ), even though they admit the funds were sent for the primary account holder. 

Im a single mother of XXXX. My fianc was XXXX  last year right before COVID. Netspend had been my XXXX XXXX institution for more than 10 years. Me & my children not only need this money but are legally entitled to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX {$3600.00} Fraudulent charge from XXXX XXXX XXXX XXXX XX/XX/XXXX Notice to Capital One of fraudulent charge ; account closed and {$3600.00} reimbursed XX/XX/XXXX Capital One accepted 2nd charge of {$3600.00} on closed account XX/XX/XXXX ( {$42000.00} ) credit on account but Capital one did not credit {$3600.00} XX/XX/XXXX to Present - Numerous calls, complaints, filings etc and still no credit or resolution of charge ; credit score has dropped from XXXX to XXXX and has literally shut down my XXXX XXXX business

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 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: NJ

Complaint narrative:
I submitted a dispute to XXXX, Equifax and XXXX  on XXXX.It 's been over 45 days and I have yet to hear back from then. XXXX, XXXX Equifax are in violation due to not responding back in time. I am kindly demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/21, {$5000.00} was fraudulently taken in unauthorized XXXX transactions from my checking account at Regions Bank in XXXX, Alabama.

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 2021-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian and/or XXXX has not released the freeze on my credit report. I have applied twice to XXXX for a checking account and been denied twice. Before the second time, I checked all 3 credit reporting companies and was informed online that the credit freeze was lifted. Apparently it wasn't. I called Experian and was told by a recording that I would have to submit a request in writing. I waited 20 minutes on hold to speak to an agent but gave up. I called XXXX  and was told to call back after several hours because their system was down for maintenance and they couldn't get to my account. 
I want to know why I have to be at their mercy for keeping and lifting a credit freeze.

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