vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
Re : XXXX XXXX XXXX I have been working with HSBC Bank and their third party mortgage servicer, XXXX. I requested a Mortgage Modification when coming off a period of unemployment to remove my former Wifes name form the mortgage and was directed to apply for an Assumption and at one point was told by a Loss Mitigation Customer Service representative that I needed to go through the Assumption before the Modification. I submitted my Assumption package and  Quitclaim in XX/XX/2020 with a check made out to HSBC in the amount of {$2900.00}. At the beginning of XXXX, I was called by a XXXX representative and advised that the Assumption was not assumable and I would be receiving a check. I received a letter dated XX/XX/2020 stating the same with no check and no reference to a check. I sent an email to HSBC /  XXXX as directed on XX/XX/XXXX and XX/XX/XXXX asking for an update on my refund. I also called HSBC Loss mitigation ( Dovenmuehle ) on XX/XX/XXXX and XX/XX/XXXX. I was told I could not speak to anyone in the Assumption area ( I had asked for a supervisor ) and was directed to send another email. Dealing with HSBC / XXXX has been horrendous. It is well over 30 days and I am requesting your assistance with my refund. 
I have enclosed a copy of the HSBC Letter directing me to apply for an assumption, a copy of the cancelled check made out to HSBC as well as copied of my email communications.

Any assistance you can provide would be greatly appreciated.  Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IL

Complaint narrative:
XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to show what items to remove. THey refuse to remove them. I ask them to give me the name of the person they spoke with they tell me they ran my name through an unknown system. the system is inaccurate. I asked them to remove the information. I send certified letters every time and they continue to have this information on my consumer report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 I informed Experian that I have been a victim of identity theft. I followed the law under 605B FCRA. I sent in my report to speak with them again via phone and they still refuse to remove this inaccurate information. I sent in an affidavit/ report everything and they refuse to follow the law. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Sent letter in demanding experian to remove information from my report. 
XX/XX/2020 Call Experian to file a complaint telling them they have yet to block the information they told me they do not have to follow the FCRA 605B. I told them they're violating my rights and effecting my consumer report. I informed them that I invoked my rights as a consumer and I am  demanding they follow the law ( NO RESULTS ) XX/XX/2020 Called again they have the same address on my report that i have NEVER lived at before. They have inaccurate information and I have requested them to have remove several times ad they still will not block the items. the representative informed me to contact someone else because they again " Do not have to follow the law '' they have their own policies in place. which is incorrect information.

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 2020-10-16 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: OH

Complaint narrative:
Today on Friday, XXXX XXXX at around XXXX EST I spoke with XXXX , an auto loan representative with XXXX  XXXX XXXX . She asked me questions to verify my identity and one of the questions asked for my current address. I provided my current address to  XXXX and she said she could not move forward with the approval of my loan because the address she had was not what I told her. The address she ultimately told me is not my current address. I have not lived at that address for over 18 months and yet she could not move forward with the approval. I was shocked. I have been a client of  XXXX  XXXX XXXX since 2015  so they are well aware of my mailing address. She said that XXXX h

ad my correct mailing address but that it was the third party company that they use to verify the client showed a different address so she couldn't move forward. I asked for the name of the third party company but she said she wasn't at liberty to disclose that. I am deeply disappointed as she and XXXX, the representative I spoke with yesterday who filled out my application, verbally given me the approval and just needed to verify my identity before sending me the approval letter.

This is so weird. I don't know who has my wrong address but it needs to get fixed. Now I don't want another hard pull on my credit so I don't think I'll be able to purchase a new car. So disappointed.

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 2020-10-16 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: TN

Complaint narrative:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: MO

Complaint narrative:
I am writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXX-I have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account

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 2020-10-16 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: MO

Complaint narrative:
I am writing this letter because there are accounts being reported that's not mines. 
XXXX XXXX XXXXI have have no acknowledge of this account XXXX-I have no acknowledge of this account XXXX  XXXX XXXX-I have no acknowledge of this account XXXX XXXX XXXX I have no acknowledge if this account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CT

Complaint narrative:
CFPB allowed Experian to closed dispute number XXXX as a " duplicate '' which is far from the truth. 

Experian 's complete and utter failure to make the corrections previously reported, does not make this dispute duplicative. It makes is a violation under the Fair Credit Reporting Act. 

Marking this has duplicative ignores the rights under FCRA including but not limited to : The right to dispute incomplete or inaccurate information Experian must correct or delete inaccurate, incomplete, or unverifiable information It is not optional. Experian must make the corrections and they have had more than ample time to make the corrections. They have failed to do so. 

XXXX XXXX XXXXXXXX

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 2020-10-16 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: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus challenging a Bankruptcy that is reporting inaccurately. Date of filing and Reference / Case number is wrong and is reporting wrong. Bureaus are reporting Case No XXXX but I'm seeing something completely different. Please help us get this resolved. Attached are the bankruptcy documents

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 2020-10-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I recently applied for and received the Apple Card, issued by Goldman Sachs. One of the major benefits touted on Apple 's website is the ability to pay for Apple products over time, in an installment plan method, whereby the consumer is charged the taxes and fees upfront, and then the remainder of the purchase price is amortized at no interest over 6-12 months. 
I recently purchased a qualifying Apple product on said installment plan, however I found the full amount was being dinged against my available credit. After speaking with Goldman Sachs and Apple, it appears they find this to be normal and that the full amount will remain against my available credit until I pay down the installments. This is obviously not how an installment plan works, nor more importantly, not in any way how it is advertised. I basically got the Apple Card to use the installment plan feature of the card, and now I find out it's basically a lie and the full amount will be dinged against me. Please force them to stop XXXX. I literally would not have gotten this card otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
There is a class action lawsuit against this company and this account should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX I called PNC Benefits to order copies of 401K statements that were not available online due to the dates. My 401K still resides with PNC although I no longer work there. I needed statements from XXXX through XXXX for a property settlement scheduled in court for XX/XX/XXXX. She indicated this was plenty of time for me to receive the documents and assured me I would have them. It is now XX/XX/XXXX and I still have not received these documents. I missed my court date and the assigned mediator may no longer be a partner on our case. This is not the first time the benefits department has failed to produce requested documents on this same property settlement. I was assured after complaining of not receiving these documents and how it impacted my case that this would be escalated to management and there was no reason I should not have received these by now. I spoke again with someone there last week and she assured me a supervisor would contact me THAT DAY. Nothing..I am now in jeopardy of not having the documents after rescheduling the hearing for XX/XX/XXXX as I will need them prior to that date to review with my attorney prior to the hearing. I am currently in communications with my attorney and XXXX also file a legal suit against PNC. This has added additional stress in addition to the legal situation at hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I ordered a XXXX XXXX XXXX via internet on XX/XX/2020 at XXXX XXXX   XXXXXXXX XXXX XXXX  for {$61.00}, order # XXXX, and paid through Pay Pal. The company advertises that it is XXXX Owned and Operated and facilitates shipping from NY and LA. On XX/XX/2020 my package arrived tracking service : XXXX XXXX XXXX XXXX   XXXX NOT from the USA as advertised, but from XXXX XXXX I was supposed to receive a XXXX, steel drum measuring 40cm x 40cm x 18cm, wrapped in hand-woven rattan as pictured and including all accessories listed. Instead, I received a tiny steel drum that measured 15.24 cm x 15.24 cm x 10.16 cm, NOT wrapped in hand-woven rattan, and missing accessories. I opened a dispute with Pay Pal on XX/XX/2020, Case ID : XXXX Transaction ID : XXXX. I explained I did not receive the item I purchased. They contacted the seller ( now using the name XXXX  ) and the seller said that if I returned the wrong item to XXXX, they would offer a refund. I complained to Pay Pal that XXXX XXXX did not send me what I ordered and the seller needed to send me a pre-paid return label so that I may return their wrong item back to them. Pay Pal said that even though it was that companys error, I had to pay for return shipping and return it to : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I went to the post office to get an estimate and was told it would cost {$58.00} to return the package. I contacted Pay Pal back and reiterated again that I did not make the error and could not afford a return shipping cost of {$58.00} for an item I did not order. They told me that if I didnt return it, they would close my case and deny my dispute. Today, XX/XX/2020 they closed my case and denied my dispute. 
XXXX is clearly a fraudulent company. They are falsely advertising that they are a USA Owned and Operated company. They purposely send out low value items, in place of the original purchased XXXX. Then, duped customers must spend huge sums to return these unordered items. Pay Pal is facilitating this scam through their unfair return policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: CITIBANK, N.A.
State: VA

Complaint narrative:
ESTABLISHED AND RECEIVED XXXX GOV'T TRAVEL CARD AT MY HOME ADDRESS WHICH I HAVE RESIDED FOR ( 2 ) YEARS OF XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

IN XX/XX/2020 CITIBANK INEXPLICABLY SENT ( 8 ) STATEMENTS DATED FROM XXXX THROUGH XXXX TO AN INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX. AT NO TIME DID I CHANGE MY ADDRESS ON MY CITIBANK ACCOUNT PROFILE OR DO A CHANGE OF ADDRESS THROUGH USPS. I WAS FINALLY MADE AWARE OF STATEMENTS LATE XX/XX/2020. 

THE STATEMENTS DISPLAYED AN INCORRECT PAST DUE AMOUNT ON ACCOUNT, WHICH DUE TO THE STATEMENTS SENT TO AN INCORRECT ADDRESS, DIRECTLY NEGATIVELY IMPACTED MY ABILITY TO RESPOND TO ISSUE IN A TIMELY MANNER, RESULTING IN MY ACCOUNT BEING CLOSED. THIS HAS CAUSED UNDUE HARDSHIP AFFECTING MY ABILITY TO PERFORM MANDATORY DUTIES TO TRAVEL AND PARTICIPATE IN REQUIRED TRAINING. 

I RECEIVED A TRAVEL VOUCHER RECEIPT FROM THE XXXX XXXX XXXX  THAT PAYMENT WAS MADE TO TRAVEL CARD FOR CHARGE BALANCE REFLECTED. I HAVE CONTACTED DOD WHICH IS CURRENTLY ADDRESSING CORRECTIVE ACTION ON ISSUE. 

I HAVE ATTACHED THE FIRST AND LAST OF THE ( 8 )  STATEMENTS SENT TO INCORRECT ADDRESS FOR YOUR REFERENCE.

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 2020-10-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
Hi i have a mortgage and i was in forbearance for a few months and I tried paying every month but i see i have late payments on my credit report. I am trying to refinanced and I can't because they said i have to many late payments on my report but I wasn't supposed to have late payments on my report from a forbearance. please help me get all these late payments off

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 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great  refrence when called by new landlord XX/XX/XXXX to do a reference check. 
Had a XXXX balance to company as of XX/XX/XXXX. 

XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about.

Tried disputing but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There is a class action lawsuit against this company and this account should be deleted from my report.

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 2020-10-16 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: WI

Complaint narrative:
There is a class action lawsuit against this company and this account should be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: WI

Complaint narrative:
There is a class action lawsuit against this company and this account should be deleted from my report.

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