vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wheel City Motors East, Inc.
State: FL

Complaint narrative:
I settled an account with XXXX XXXX XXXX for less than the full balance and I was sent a XXXX form. This company should no longer be reporting on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA violation no knowledge fraudulent accounts on my Transunion credit report. FTC ID Theft Report # 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 explanation
Consumer complaint received 2018-05-28 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: SC

Complaint narrative:
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On Tranusjon it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On transunion it's showing this account was closed XX/XX/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 explanation
Consumer complaint received 2018-05-28 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: SC

Complaint narrative:
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but EQUIFAX it's showing last payment for XX/XX/XXXX. It's was reported on Wquifax XX/XX/XXXX and updated on XXXX XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've been trying to get XXXX to validate this debt is mines since XX/XX/XXXX and they haven't made an attempt to validate this debt. So I've compared the information on my credit report about XXXX and this account was sold to XXXX but is still reporting on my credit report. This company iOS reporting different information to different credit bureaus and it's affecting my credit. It's bad enough I've never had and installment loan with them but now this information their reporting is affecting my credit. On XXXX it's shoes last payment as XX/XX/XXXX but XXXX it's showing last payment for XX/XX/XXXX. It's was reported on XXXX XX/XX/XXXX and updated on Experain XX/XX/XXXX. On XXXX it's showing this account was closed XX/XX/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 explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I am constantly receiving communication from Ability Recovery regarding an account through XXXX that should not be reporting to my account. Ability reports that I owe from them returning funds however there is no contract from the beginning stating that I have a contract through this company. I applied for financial aid and this was covered. As reported in a previous report I was given more than what I needed. I never signed a agreement with this school so in no way should this agency continue to report to credit bureaus. I have attempt on many occasions for this agency to provide validation regarding this However this has not occurred yet. I recently completed another complaint and Ablility failed to provided the information request by running numbers. In the complaint it was even mention about emails and that they would be attached but this did not occur. This agency has fail to validate and this is against the FCRA. Ability Recovery is currently reporting as a UNSECURED LOAN to the credit bureaus. Again no contract, signature has been provided to confirm this information. AGAIN this is a violation of the FCRA. I have proof from my student loan agency confirming that the funds were not return on behalf of XXXX so referring this account to a collection agency as Ability is a violation. My previous complaint with the agency is XXXX. Again as mention in the previous compliant based on the statute of limitation in SC this company is legally not able to continue to contact me after three year. The limitation has been reach even though none of the reporting debt has ben verified or validated as mines. I am currently working with an attorney working to get this case in court based on the many violation this agency has committed. This will be my last and final attempt to give this agency a chance to removed and delete from all credit bureaus before finalizing legal actions. The proof I currently have confirming the funds that Ability Recovery states in complaint XXXX were return were NOT return and are included in my legal action. I will not stop until this matter is handled. This is the last of many attempts for this agency to validate the debt or delete all accounts from all credit bureaus. At this time I will attach proof of this account being falsely reported as a unsecured loan to the credit bureaus.

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 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Without my knowledge, my wife opened a XXXX credit card in my name on XX/XX/XXXX. I found out because I am pursuing a divorce, so I checked my credit score to get an idea of my financial health. I called XXXX XXXXs fraud department - they will not do anything to help me. They said I am responsible for this card, even though I didn't open it, nor did I know it existed and never saw one statement. My wife admitted to hiding the statements from me. After XXXX would do nothing, I asked my divorce lawyer what to do. My lawyer said since my wife admitted to defrauding me and hiding it for three years, I should request the statements ( which I have ) and pay the minimum monthly balance on the card, which I have been. The balance since I've started paying is now at {$2000.00} as of XX/XX/XXXX. I tried to seek a fair solution for both XXXX  and myself, but they left me no choice but to pay this card that I never knew existed. It is in my name and I didn't even open it. I think XXXX is responsible along with my wife, because I was not even their customer and I was still a victim of fraud they will do nothing about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
For the past five years. I have had several problems with webster bank. charging me fees. The staff ordering atm cards without me being aware of this.Ive had an idenity theft problem. someone else has charged on my account. and I was charged several fees. and now have this on my credit report. i was forced to keep a saftey deposit box. I did not want.I am being charged over {$500.00} a month in insufficiant funds fees. the dates do not make sence. I have the money in the account. like deposits are being held back. this is insane every month. i know someone else has made withdrawls from our account. Ibelieve maybe someone at the bank has something to do with this. I do have a XXXX XXXX on a XXXX XXXX XXXX/XXXX XXXX XXXX CT. who has stolen all of our bank records from our home. we didnt have any of these issues untill this man came in to our lives. i have gone t the bank several times. and they are not helpful. The webster bank in XXXX XXXX CT has been nothing but a nightmare to deal with. since the manager is no longer there. Its all new staff. there rude and cant seem to figure a thing out. They dont even ask for ID. Ive tested this several times. i need someone o help with this. we are a small company. we can not afford to have these fees taken out like this. when its not justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: OH

Complaint narrative:
While checking my credit score with XXXX XXXX I noticed my Equifax Credit Score points were down because of a Hard Inquiry generated by XXXX XXXX? I did not authorize XXXX XXXX to run a credit check on me, as I am not interested in there services. Public Utilities should not allow these unauthorized inquiries, in fact, legal steps should be taken against XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
1.I have had Banking relationship with citi for more than 2 years till my credit card accounts were abruptly closed by Citi on XX/XX/XXXX. 
2.During the course of these 2 years I have opened 4 Citi Credit Card Accounts.I have paid balances on all my accounts in FULL and have never been a defaulter on any of these accounts.

3.Despite having a good relationship with citi, all my accounts were closed without any warning.

4.Also during this time, when the accounts were open, I have accumulated more XXXX ( {$2900.00} ) Thank you points which is also forfeited now. 
5. When my account was closed on XX/XX/XXXX-XX/XX/XXXX, I have recorded conversation with a Citi representative who assured me that I have 60 Days to use my points.

I request Citi to go back and check the conversation.

6. But then when I tried redeeming points on XX/XX/XXXX, I was told all points are forfeited.

7. Also, I have paid hefty annual fees on 3 of my credit cards XXXX - {$450.00}, XXXX- {$95.00} and XXXX- {$95.00}.

8.By Mailing a letter to Citi on XX/XX/XXXX, I requested them to re-open my accounts and if I have made any mistake, please let me know and I am ready to correct myself.ALso requested them if account opening is not an option, at least refund the fees which you have charged and my thank you points. 
9.On XX/XX/XXXX, I received a response from a Citi - XXXX XXXX from EXecutive Response UNit mentioning - - She Can not open the accounts.

- Declined to re-instate Thank you points ( XXXX points = {$2900.00} ) - Declined to Refund the Annual fees charged ( {$640.00} ) 10. Due to this sudden closure of the account I have lost almost {$3500.00} and feel cheated by Citi.

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 2018-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
XX/XX/2018 To : Federal Reserve Bank, XXXX consumer finance This is a complaint Against HSBC Bank. USA, N.A XXXX XXXX XXXX   XXXX, XXXX  XXXX.

In the last few weeks I experienced difrential and unfair treatments by HSBC bank caused me great stress and aggravations.

I tried to reach the bank for a number of days to close the recent card sent me without any success. ( card No : XXXX ).

I applied for a credit card about 6 weeks ago. I received the approval and the credit card thereafter. I activated the card successfully. Days after a found that a block was done on my credit card. When I called a representative requested identifications of my address and my driver license which I did send them to the website they provided they emailed to me. Days later a representative told me that they did receive them and under review.

For about three weeks I tried to find out if I can use the card without success.

Every time I called, the agent, I was transferd me to other agent. In each transfer, I waited 20 to 40 minutes without response.

On XX/XX/XXXX, I called the following listed HSBC numbers : XXXX ( XXXX ) XXXX at XXXX, XXXX  ( XXXX ) XXXX XXXX at XXXX, XXXX ( XXXX ) XXXX at XXXX and XXXX ( XXXX ) XXXX atXXXX. And again was not able to connect to any agent. Finally, the agent of the number XXXX ( XXXX ) XXXX informed me that my card is activated and ready to be used. Later, I tried to charge {$100.00} to XXXX, the charge was declined.

This caused me real anguish and distress. Therefore, I decided to call to cancel the card using all available HSBC numbers without any success.

Every time the agent tells me that he will transfer me to the team who handle my Account. And every time I wait and wait and did not get a response.

Therefore, I decided to cancel my card and get confirmation that my credit card is canceled and the account is closed. That to be sure that my account will not be hacked. Until today XX/XX/2018 I was not able to.

These practices by this bank represented unfair treatment and disregard of the consumer rights. Again, this would create risk of hacking my credit and hurt my credit.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
After filing for a Chapter XXXX bankruptcy pro se on XX/XX/XXXX, I consulted with a bankruptcy attorney, XXXX XXXX of XXXX, NH, to help me. I was advised it would not be in my best interest to proceed with the bankruptcy, and I should immediately file a motion to dismiss the petition. On XX/XX/XXXX, Attorney XXXX filed a Motion to Dismiss, and Chief Bankruptcy Judge XXXX XXXX XXXX granted the Motion on the same day. During this time, I continued to pay my monthly bill to Synchrony Bank/XXXX 's from my own personal checking account. Needless to say, the various credit bureaus began reporting the bankruptcy petition and I soon noticed the information being posted from Synchrony Bank/XXXX 's was incorrect. After repeated attempts to show I am not in bankruptcy and that all scheduled monthly payments to them were being made, Synchrony Bank has made little or no effort to send the correct information to the credit bureaus. Now it appears my account may have been sent to collection.

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 2018-05-28 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: NY

Complaint narrative:
I paid/settled in full a charge off on XX/XX/2018. Waited 30 days and disputed balance still showing 2 times with Experian. They say they investigated it and its valid. They also re aged the balance showing current dates which made my score drop. I have proof from collection agency showing XXXX balance. I would like the XXXX XXXX account deleted from my account. I am trying to get a mortgage and this false derogatory is hurting me.

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 2018-05-28 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: IL

Complaint narrative:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX CREDIT REPORTING AGENCY THEN TO MY SURPRISE XXXX HAD REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS

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 2018-05-28 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: FL

Complaint narrative:
i was given a 90 day forbearance on my mortgage for XXXX, XXXX, XX/XX/XXXX due to the hurricane in florida. from XX/XX/XXXX until XX/XX/XXXX i made all payments on time in addition to repaying the three payment from the forbearance period totaling 8 payments in four months. in turn XXXX XXXX falsely reported my mortgage 60 days late for XX/XX/XXXX with all three credit bureaus. this is impossible as i have made 8 payments since XX/XX/XXXX. i have called, written messages on their website with zero response or solution. in turn my credit card companies have begun to reduce my credit lines because of the false incorrect past dues report. i have over 25 credit accounts and HAVE NEVER been late on any of them. this is now damaging  my business and my family finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: AZ

Complaint narrative:
I was enrollednin university XXXX XXXX and had obtained grants and loans to pay for my college i became XXXX XXXX and the last grant installment due to me that the college git i never recieved. They wont take this account imoff my reports and is hurting me financially is on there more than once and i never withdrew from the college they withdrew me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28 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: PA

Complaint narrative:
Sometime in late XXXX early XXXX I disputed with this creditor I asked him to validate The debt and all they sent me was a screenshot that's not proof I asked him for my signature which I have a little attached and my claim you'll see all the results that they sent me

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