vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened my XXXX checking account at the beginning of XX/XX/2018 with the promise of {$200.00} if I deposited {$1500.00} or more within 30 days and held a balance of at least {$1500.00} for 90 days thereafter. The {$200.00} was promised within 6-8 weeks after the conditions were met. 

On XX/XX/2018, as evidenced by my attached statement for XX/XX/2018, my balance reached {$1500.00} to satisfy the first condition of the promotional offer. 90 days from XX/XX/XXXX would be XX/XX/XXXX. 

My subsequent XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX statements show that my balance never dropped below {$1500.00} by the time my statement in XX/XX/XXXX closed. It did, however, in mid-XX/XX/XXXX which what I think is causing the issue. 

After 8 weeks I inquired as to why I had not received the promotional offer yet. I was told by the representative, XXXX, that I did not meet the conditions for the bonus as my account balance dropped below {$1500.00} on XX/XX/XXXX. Turns out, he was just reading " XX/XX/XXXX '' as " XX/XX/XXXX '' and blamed it on the " small font. '' Convinced that I actually should have been awarded the bonus, he submitted a formal complaint to the marketing team and said I would be notified. 

Several weeks go by and silence from XXXX. I give them a call. The front line representative ( didn't get her name ) goes over what I was saying, and agrees that I should have been given the bonus. She then looks at my investigation and says that the marketing team denied my investigation request for the bonus. I ask why. She says that she couldn't tell because they " didn't take proper notes. '' She says that since it looked like my investigation should have been approved, she will try to get me the bonus, but she would have to submit an additional investigation, but she would personally reach out to me with whatever happens. 

Several weeks go by and silence. Since I can not seem to get a hold of someone who has both the ability to converse with me and make a decision in my investigation, I have been left with my only resort which is to follow through with a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I am a Veteran that served twice in the XXXX during the XXXX XXXX. These are medical collection that is old and was sold to another collection company and they are still trying to collect {$47.00} & {$1600.00} - which is the balance they show. They've constantly harassed me and I am trying to refinance my current VA mortgage and because of these collections it brings my credit below and I can not do my refinance. 

My VA benefits have already paid for these bills but none of the collection departments updated it and it kept accumulating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX GRANT MERCANTILE AGENC XXXX XXXX XXXX, XXXX, CA XXXX XXXX CMRE. XXXX XXXX XX/XX/XXXX XX/XX/XXXX -- / -- {$1500.00} XXXX {$1600.00} XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX GRANT MERCANTILE AGE XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$47.00} COLL {$47.00} XXXX - {$47.00} - - - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/2018 XXXX with a XXXX process fee. Will not remove. Will not put agreement in writing for records. Threatened me. Will not set up payment plan or accept any payments at all. Kept asking for my checking account # or card #. Told me they could seize my bank account and sue me for more money to just pay the amount owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have been trying to resolve an issue with my XXXX XXXX Credit card for quite some time now. 
In XX/XX/XXXX I moved to a new address for College and changed my email from an old email to a new university email. I stopped into the XXXX XXXX MN XXXX XXXX store to change my address and email. I spoke to the girl at the desk, she took down my information and said she would put it into the system. 

After a few months, that spring ( XX/XX/XXXX ), I logged into my XXXX XXXX online account and saw that I had missed several months of payments. I had received NO mail or emaila notifying me of these missed payments/late fees so over those months they were adding up. I called XXXX XXXX and told them that I had no idea that I owed anything all this time because I wasn't receiving any notifications from them, they would not remove the late payments from my record, they only lowered the late fee cost, which I paid over the phone that day. 

Since then I have been denied for a car loan and not qualified for my home loan application. I have no other issues with my credit, I've never missed a payment before this incident. It's extremely distressing that a small late fee under {$5.00} had brought my credit from a steady XXXX to under XXXX. Since I took action to change my address and email at XXXX XXXX XXXX MN XXXX XXXX XXXX the fault for this issue is not mine and XXXX XXXX should remove all delinquent payments from my record. 

I have investments and savings and a steady job, there should be no reason that I can not get a car or home loan. XXXX XXXX had a chance to right this wrong the many times I called them and they still haven't. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My financial information was hacked and used to purchase an item without my consent. I immediately contacted the vendor and my financial institution notifying them of the issue and providing documentation showing my claim of fraud which USAA subsequently ignored. I did everything to notify USAA that my data was compromised and still the bank refuses to credit my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Did a mobile deposit of a check amount of {$950.00} XX/XX/2018 check was processed next business day on XX/XX/2018 but now there is a hold on the check for funds until XX/XX/2018 attempted to get hold removed by both customer service and going in person to a branch was told nothing could be done to remove the hold had the bank account for more than 2 years never had to do a mobile deposit since this was for a new employer and previous employer was always a direct deposit, was not even given the option to have XXXX or a set amount to be available immediately now I will get overdraft fees for a automatic payment that will process on XX/XX/2018

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 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALCHRO INC.
State: FL

Complaint narrative:
I previously opened a complaint on this company on XX/XX/18. The complaint # was XXXX. 

Here is what I indicated : The company XXXX XXXX XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life. 

The company responded with the following on XX/XX/18 : Due to XXXX regulations, we are unable to provide consumer with account information. She disputed account through credit bureaus and the account was verified as all the information matched. The consumer may contact XXXX at XXXX ext XXXX to obtain an itemized bill for the charges. 
********************* I have called this company on numerous occasions and have yet to get someone to answer the phone. I did a web search on this company and every review has the same response that they will not answer the phone. I question the legitimacy of this company. I called the extension listed and the phone continued to ring for an " XXXX '' that never answers the phone. I tried selecting other extensions and still no answer. At this point I am really fed up and I want this issue to be resolved. They refuse to remove the item from my credit report but they can't even pick up a phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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:
Contacted XXXX and Experian at least XXXX times already regarding this account and they came back verified. 

Here I attached Evidence this account can not be verified. This is a copy of the response I got directly XXXX XXXX XXXX. They have nothing on file and directed me to speak with XXXX XXXX. I already contacted XXXX ( XXXX XXXX XXXX ) through the CFPB who had nothing on file and already withdrew their claim to this debt and stopped all collection activity so tell me how can XXXX   and Experian verify this?. Now if neither XXXX XXXX XXXX nor XXXX XXXX has anything to verify this claim HOW IS IT POSSIPLE XXXX VERIFIED THIS ACCOUNT? THIS IS FRAUD AND I WILL BE SUEING IF THIS IS NOT REMOVED IMMEDIATELY. Transunion already deleted this account months ago. 
Check the attachments to see XXXX XXXX withdraw claim months ago and also a letter from XXXX XXXX as well recently stating they have nothing and should contact XXXX XXXX since the account was sold to them. Its impossible for XXXX or Experian to verify this account since neither company can verify when I contacted them directly. 
Remove this account right away, this is a fraudulent entry on my report and both XXXX and Experian are breaking the law and committing repeated FCRA violations. 
These credit reporting agencies are willfully defaming and will be suing to the full extent I'm allowed for damages to my financial well being. 

XXXX XXXX XXXX XXXX is an unverifiable account and must be removed 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 2018-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There was a fraudulent " hard inquiry '' on my credit report from someone using my name and SSN to  apply for an account with XXXX. I have no account with XXXX  and my SSN was used fraudulently. I have spoken to XXXX and Transunion. I was told from Transunion to get a letter of deletion from XXXX, and XXXX told me to contact you all and file a complaint.

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 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
This organization ( XXXX XXXX ) has been bombarding my home phone ( XXXX ) almost hourly with calls in an effort to collect a debt to which I have no affiliation. I called back to attempt to resolve the problem, but they do not have any record on file for the number they are calling to which normally would be attached to an account. 

Calls are coming from various sources including but not limited to the following phone numbers ; XXXX XXXX XXXX XXXX These numbers have been reported as a spam risk by reverse phone look-up ( XXXX ) citing many other people with similar complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was trying to work with Capital One previously to resolve the debt but due to my work schedule I had them working with my wife after giving permission multiple times and advising them to not contact me directly but her. She tried to make arrangements but the calls were not made to her as scheduled and without the proper follow ups she was unable to make arrangements that were satisfactory. This went to XXXX XXXX XXXX and I got one letter dated XX/XX/2018 that came sometime around the first week of XXXX. I tried to call the number on different occasions and always got a voicemail or busy signal. No calls were ever returned to me. The next thing I see is a notification from the post office that another letter is on the way and when I checked court records they have filed a warrant in debt. ( I am scheduled for notification from the post office due to not getting my mail as scheduled and still do not know if this will actually show up ). I am extremely upset as I was not given proper opportunity to try to work out a settlement and get arrangements in place. I was only contacted the one time. This is not fair and absurd. It is not my fault they have the office number set up to not work or choose to not return calls. Also more than one letter should be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: Credit Karma, LLC
State: IL

Complaint narrative:
Signed up for credit karma.com today. 
Credit karma never disclosed when advertising for sign up that it is a hard inquiry my score went from XXXX 20 points down just for an inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for XXXX XXXX credit card online because I suspected mine and my daughters information had been misused with them in the past. They were the only card at the time that would not deny my appication. Then, when I got the card that I provided my social security number and current spelling of my name XXXX XXXX XXXX, they sent a card with the incorrect spelling of XXXX XXXX instead. The card needed activation. My phone number is compromised and therefor I was not able to activate it. I already have been told by police that I have " lost my identity '' although I dont really know how to get it back. after attaching my card to the user name XXXX and they implied that I had a checking account with them in the past that I am not aware of they allowed me to change the password to the online user XXXX. I insisted I need a fresh foot to stand on and I should be able to activate the card. They said, no, we will activate it for you. I was very upset and said to them '' Do NOT '' but they said it is too late and they said you can use the card now. Since I had no other at the time I began to use it. Then, I called them again about some other problems. Then, I noticed that the card they gave me was not reporting in realtime on the CRA that I had access to. They escalated to supervisor and said that they had 30 days to put it on my CRA report but as soon as they put it the account was deleted without explanation. I told them that I have learned how to swim in fraud as I have no other choice at the moment. Then, they called and said that I am not responsible for the balance but did not explain why as it were all my purchased. They also would not close the card. I disputed it with transunion and it was deleted XX/XX/XXXX they send a letter saying taht I am in erroer because my claim with CRA is not fraud.

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 2018-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
I was notified XXXX XXXX XXXX ( Convergent ) on XX/XX/2018 regarding an alleged debt on behalf of XXXX XXXX XXXX , XXXX ( see attached ). At that time, I contacted Convergent via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from Convergent dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. Convergent, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to Convergent on XX/XX/2018. At that time, Convergent stated that they closed the account and sent it back to XXXX XXXX XXXX , XXXX ( " XXXX '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as Convergent. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and XXXX XXXX XXXX , XXXX ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to XXXX XXXX, and I needed to contact Debt XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX , XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of 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 2018-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
During my divorce my ex-wife was award the house and was 100 % responsible for the mortgage payment and upkeep of the house. In XX/XX/2018 my ex-wife abandoned the property and moved to another state. Freedom Mortgage contacted me and held me responsible for the mortgage payment even though I furnished them the divorce degree indicating my ex-wife 's responsibility. They told me that they could repossess the house and ruin my VA eligibility to purchase another house. Prior to contacting me they started reporting negatively on my credit report. To prevent further damage to my credit report, VA eligibility and repossession, I filed a request for assistance with the loss mitigation department of Freedom Mortgage. At that point I could not afford the additional mortgage payment and my ex-wife refused to list the property with a realtor. I had to take my ex-wife to court to gain a Judgement enforcing the divorce degree and allow me to list and sale the house without her participation or authorization. I kept Freedom Mortgage informed of my actions. In XX/XX/2018 I got a buyer and closing date. The house was sold and paid off on XX/XX/2018. On XX/XX/2018 Freedom Mortgage reported XXXX passed due to the Credit reporting agencies even though they received the payment in full. I submitted request to dispute the 30, 60, and 90 day past due along with my divorce decree and judgement because I felt I should not be held responsible and punished on something that another parties fault and responsibility. After I submitted the dispute, I received an alert that Freedom Mortgage reported 120 days past due. This was after the house was sold and the mortgage paid off. When I contacted them to ask that report be removed they argued with me and told me that they acted in accordance with the law and that I was 120 past due when they made the report. They said their action was according to my contract, however would not furnish me the contract or indicate where in the contract. Additionally my original loan was made with another mortgage company which sold it to Freedom mortgage.

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 2018-10-10 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX Balance {$13000.00} Opened On XX/XX/XXXX XXXX XXXX, XXXX. 
Balance {$250.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$38000.00} Opened On XX/XX/XXXX XXXX XXXX Balance {$23000.00} Opened On XX/XX/XXXX XXXX ACCOUNT XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$930.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Open XXXX XX/XX/XXXX Balance {$640.00} XXXX XXXX XXXX   XXXX Original Creditor XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: TX

Complaint narrative:
Account was settled and closed from Santander Consumer. however, XXXX is refusing to remove it from my credit report nor Santander Consumer is unable to locate my account ... additionally, Santander Consumer lost to class action lawsuit and agree to remove any negative credit report from consumer who was effected.

Company response to consumer: Closed with explanation