vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Sent three letters to Portfolio Recovery Associates requesting two accounts be removed from my credit report because the debt was not mine. Furthermore if the debt was mine which Portfolio Recovery refused to prove it is beyond the allowed time per section 809 of the FDCPA. Portfolio Recovery did not responded to my request but set repeated letter stating I have a right to request substantiation of the debt, which I did in three separate letters sent via certified return receipt letters. The last four numbers of the account numbers per Portfolio Recovery are as follows : XXXX and XXXX. Portfolio Recovery requested I call or write them and prove the debt accounts are mine in order to resolve the issue. I reminded them that per FDCPA section 809 they must provide written verification of the original debt. They did not respond or remove the incorrect debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2019-10-13 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: FL

Complaint narrative:
This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: FL

Complaint narrative:
This is a very personal situation That someone has have access to my Information to create False accounts under my Name I need a fraud alert Under my Social Security number. I did not allow anyone to open any accounts under my name. I cant Understand how this is possible, This situation need to be fix so others don't go through this situation of what I'm going through

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 2019-10-13 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: UT

Complaint narrative:
Equifax is allowing XXXX XXXX XXXX to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. XXXX did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I opened an HSBC MasterCard. I requested paper statements over the phone. I never received a paper statement. I requested statements several times back in XXXX via my online HSBC account, and HSBC refused to provide a statement because allegedly one was not ready. I was never provided with a payment address to mail payments to. The online account didn't seem to have a way for me to link my bank account to the card for automatic payments. If it does it was not easy to find because I could not find it. 

I looked up the HSBC payment address on XXXX, and it was listed as HSBC Card Services, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Several weeks ago, in mid XXXX, I was aware, via my HSBC mobile app, that the first payment was going to be {$65.00}. I mailed a check for {$100.00} to the address I found. 

Yesterday, I received the check I sent back in the mail. The post office stamped on the envelope that the recipient moved and left no address, and also stamped on the envelope that the PO box was closed. 

I called HSBC, and discovered that I was now considered in default and behind on my payments. {$130.00} was due, of which a portion is a late fee. I paid this over the phone immediately. I tried calling an HSBC representative, but their office is closed right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
XXXX  is allowing Portfolio Recovery Associates to do Hard Pull inquires every few weeks they are doing HARD PULLS Inquires without my permission or authorization. PRA did HARD PULLS XX/XX/2019 and now Im showing another HARD PULL XX/XX/2019. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My account freezed for 180 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: GA

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 non-monetary relief
Consumer complaint received 2019-10-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!

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 2019-10-13 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: KY

Complaint narrative:
Trans Union, XXXX and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XXXX. This is a major violation that needs to be removed from my reports immediately.

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 2019-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX  XXXX ( Address : XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Phone : XXXX XXXX XXXX XXXX ) to fill up the car with gas ( XXXX sedan ) that we rented before returning it to XXXX. I gave my Bank of America Alaska Visa credit card to the attendant and he ran the card through his machine. He then told me it did not go through and he needed another card. I gave him a second Bank of America XXXX to try. He ran the card through his machine and then told me it did not go through either. My fiance then gave the attendant his Bank of America credit card. The attendant said this charge went through. The attendant did not provide us with any receipts. When I looked at my credit card transactions on both cards, I saw that the charge from XXXX to my Bank of America Alaska credit card in the amount of {$100.00} and the charge from XXXX to my Bank of America Mastercard in the amount of {$84.00} both posted. The charge to my fiance 's credit card in the amount of {$60.00} also posted to his credit card. When I attempted to contact XXXX, I got a message saying the party was temporarily unavailable. I filed disputes on both transactions on XX/XX/XXXX through Bank of America and provided supporting documentation. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Bank of America stating that they were unable to determine that a billing error occurred and they issued credits to my account for the disputed charges. The letters also stated that Bank of America was considering the dispute resolved but the merchant would have the opportunity to present new information on why the charges were valid. On XX/XX/XXXX, I received another letter from Bank of America notifying me that they reviewed the details of my dispute on my Alaska Visa credit card and were unable to pursue the dispute further. My Bank of America Alaska Credit Card was then charged the original disputed amount of {$100.00}. I called Bank of America to ask why my account was charged and was told that XXXX provided signed receipts for the transactions and because it was a chipped transaction, they had to consider it valid, and I was required to pay it. I did not sign any receipts when I was at XXXX because the attendant told me his machine was not working. I requested an appeal of Bank of America 's decision but was told because the signed receipts were provided by XXXX, there was nothing I could do, even though I did not sign anything and the receipts must have been forged. On XX/XX/XXXX, my Bank of America Mastercard was charged the original disputed amount of {$84.00} without any explanation from Bank of America.

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 2019-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: IN

Complaint narrative:
I applied for an auto loan on XX/XX/2019 and received one through XXXX. I am not happy and have been having trouble ever since. The interest rate I received is the highest I have ever have, and I dont believe it was fairly done. Since day one I have been making payments greater than the amount due. I have called in several times, asking that the extra amount be put towards the payment and NOT towards the interests and yet it seems as if all my payments are still going straight towards the interest. I have also received statements where it shows on two occasions where a payment was posted then reversed, and reposted again. I am not happy with how the company is handling my account. I think I should be looking into refinancing with another company because I dont feel I am getting what I should be and my credit it high so I would understand a high interest rate for bad or low credit but mine is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used the Amex website to pay my bill. It resulted in double payment. I called up and they refunded the extra payment. 

However, this caused an insufficient balance in my bank that bounced two payments. The fees were {$34.00} each total {$68.00} I contacted Amex and they said it was my fault that the duplicate was made. And that since my bank XXXX is the one that charged the fees they are not responsible. 

I argued that it was their website that caused the duplicate payment and that it was their double collection that caused my XXXX bank insufficiency. It doesn't matter that the fees are charged by XXXX but it does matter that they caused it. 

They also argue that when I called at the time in a panic to get them to reverse the extra withdrawal that I said it was an overpayment. This is not an admission of any kind but an effort to get the refund as quickly as possible not knowing what the issue was. This is pretty sleazy on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: CA

Complaint narrative:
THIS IS THE FINAL REQUEST PRIOR TO SERVING EQUIFAX FOR MULTIPLE BREACHES OF CREDIT REPORTING LAW TO BE HEARD IN SMALL CLAIMS COURT, XXXX CA.EQUIFAX, AFTER MULTIPLE INVESTIGATIONS ( FOR MAX LEGAL $ CLAIM,XXXX PER BREACH ) CONCERNING IDENTITY THEFT CONTINUES TO PUBLISH AND DISSEMINATE FALSE INFORMATION.I ORIGINALLY DISPUTED 5 DEPT OF EDUCATION LOANS AS NOT MINE.. 
DUE TO IDENTITY THEFT.I HAVE PREVIOUSLY PROVIDED AN FTC IDENTITY THEFT REPORT, MY DRIVERS LICENSE WITH VERIFIABLE SIGNATURE ( PROPER ID ) MY SOCIAL SECURITY CARD AND BANK STATEMENT.EQUIFAX REMOVED 4 OF THE 5 ERRONEOUS LOANS BUT REFUSES TO REMOVE THE 5TH LOAN DEPT OF EDUCATION/XXXX, ACCOUNT XXXX. 
THE LOAN APPEARS TO BE TRANSFERRED.IT WAS NOT TRANSFERRED TO ME.EQUIFAX VIOLATES FCRA FOR NOT IMMEDIATELY DELETING.NO FURTHER INVESTIGATION IS NEEDED TO DELETE/SUPPRESS FROM EQUIFAX.ALL NECESSARY INFORMATION TO SUCCESSFULLY DELETE HAS BEEN PROVIDED MULTIPLE TIMES ... WITH MULTIPLE, MAIL, ONLINE DISPUTES AND CFPB COMPLAINTS. 
ATTACHED ARE ID AND REPORT SECTIONS FROM EQUIFAX AND FTC ID THEFT REPORT. 
LATELY, THE EQUIFAX CFPB DISPUTE RESPONSES HAVE BEEN SAYING TO CFPB THAT EQUIFAX IS INVESTIGATING, YET THEY ARE NOT INVESTIGATING OR PUTTING UNDER DISPUTE.THEY ARE LYING TO THE CFPB IN THE PREVIOUS TWO COMPLAINTS AT THE LEAST.THIS IS A CRIMINAL ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My information is being held hostage I can not get access to it. 

I have spoken with all three bureaus and demand written documentation that I agreed for them to collect and sell my information or show me written documentation that I agreed to be represented by any of these entities. 

I demand addresses for these data collection services so they can be served their notice of suit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: KY

Complaint narrative:
XXXX XXXX, XXXX  and Equifax and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XX/XX/XXXX. It still continues to report to all 3 credit bureaus. The date opened for this account was back in XX/XX/XXXX. This is a major violation that needs to be removed from my reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 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: KY

Complaint narrative:
XXXX XXXX, Experian  and XXXX and XXXX XXXX XXXX continue to report an account that should have been removed from my credit report. The scheduled deletion date was back in XXXX of 2018. It still continues to report to all 3 credit bureaus. The date opened for this account was back in 2005. This is a major violation that needs to be removed from my reports immediately.

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 2019-10-13 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: Merchants Adjustment Service, Inc.
State: KY

Complaint narrative:
Merchants Adj services continue to report a debt in my name. XXXX handles all payments in full. XXXX determined I should not have any bill being reported to the credit reporting agencies as there is a legal agreement with the medical agencies and XXXX that prohibits these types of actions. Merchants Adj services continues to report this account in my name anyways to all 3 credit bureaus. Im a XXXX senior and I am not able to resolve this without seeking the CFPB portal for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13 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: DE

Complaint narrative:
Fraud Inquiries on my Equifax report from these Companies i did not authorized from XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX on XXXX and XXXX and XXXX also XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: LendKey Technologies, Inc.
State: MD

Complaint narrative:
I have submitted forbearance requests and reduction in payment until I am able to secure employment. I recently graduated for college and received forbearance for both my federal and private loans. Lendkey is the only servicer which will not allow for a reduction in payment while I interview for employment. The document log is listed below with dates. I have not received written confirmation of approval or any indication that a temporary reduction of payment or no payment is possible. 

KCE-3137 EnrollmentCertificate XXXX.pdf ( uploaded XX/XX/XXXX ) Forebearance app.pdf ( uploaded XX/XX/XXXX ) XXXX XXXX_Forbearance AppXX/XX/XXXX.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_Forbearance_KCE_3137.pdf ( uploaded XX/XX/XXXX ) XXXX_XXXX_KCE_3137.pdf ( uploaded XX/XX/XXXX )  XXXX_XXXX_KCE_3137 corrected.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955b153c607_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX3_16e9174a179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019XX/XX/XXXX_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_10_13_23_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX ) PRW-8655 FA_Supporting_Document_1_1799559aad6df0_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_1799559cea562b_XX/XX/XXXX ... ( uploaded XX/XX/XXXX ) ForbearanceApp_2019_09_13_19_48_16_b19db8d2179955.pdf ( uploaded XX/XX/XXXX ) FA_Supporting_Document_1_179955eed800a2_XX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) FA_Supporting_Document_2_179955d8c53a4fXX/XX/XXXX_2 ... ( uploaded XX/XX/XXXX ) ForbearanceApp_XX/XX/XXXX_16_33_5e6c2da9179955.pdf ( uploaded XX/XX/XXXX )

Company response to consumer: Closed with explanation