vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I HAVE CONTACTED THE COMPANY GLOBAL LENDING SERVICES ON XX/XX/2020 AND HAVE EXPLAINED TO THEM THAT THIS ACCOUNT WAS DID UNDER FRAUD BECAUSE SOMEONE STOLE MY IDENTITY. I HAVE ALSO DISPUTED THIS ACCOUNT ON MY CREDIT AS FRAUD THIS ACCOUNT WAS OPENED UNDER FRAUD WHICH THE POLICE HAD ARRESTED TWO OF THE PEOPLE WHO STOLE MY IDENTITY. THIS COMPANY HAS NOT DELETED THIS OFF OF MY CREDIT AND THIS IS CAUSING HARM TO ME AND MY FAMILY.I HAVE A POLICE REPORT THAT WAS SENT TO THEM IN REGARDS TO THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX XXXX illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XXXX XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my third complaint against XXXX XXXX, one of the worst consumer lending companies that I have ever encountered. In XX/XX/2019 I applied for and was given a hardship agreement by XXXX XXXX to make payments of $ XXXX/month. Although I made the payments on time and received confirmation that I had authorized a payment on XX/XX/2019, XXXX XXXX failed to process the payment. As a consequence they improperly charged off my loan for non-payment on XX/XX/2019. After I filed a complaint with the CFPB, XXXX XXXX admitted in their CFPB response to me dated XX/XX/2019 that they made an error on my loan status and on XX/XX/2019 they had corrected how my loan was reported to bureaus and repurchased the loan that had been charged off. 
Nevertheless on XX/XX/XXXX, according to my XXXX XXXX credit report, the account was once again wrongly reported as " charged off '' despite the fact that I have been making the required {$150.00} payment on time for 8 months. As a result of XXXX XXXX 's illegal change from " open '' to " charged off '', my credit score plummeted 31 points.See below message I got on XXXX. 
" Based on XXXX data Credit changes Current score XXXX XX/XX/XXXX -31 pts to XXXX Accounts With Missed Payments XXXX XXXX XXXXXXXX Status Changed to " Charged Off '' A " charge off '' status typically means your lender has closed your account because you became very far behind on payments. You still owe the debt though, and the charged-off account will often affect your Payment History and cause your score to go down. 
XXXX XXXX XXXXXXXX '' Additionally, when I called XXXX XXXX, their agent with the first name XXXX told me that on her computer screen, the system showed that my account was charged off, even though their separate notes showed it was " repurchased '' and current and open. 
For the last 8 months, I have also not been allowed access to my account information online, I can not obtain balance or payment information online, and can not make payments online. I also receive no paper statement. 

This is already my third complaint against XXXX XXXX, which shows how determined they are to violate the law. In my second complaint, they asked for more time to fix the problem and then never did anything and failed to even filed a response to the complaint.. They need to step up to the plate and fix this situation.

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 2020-08-24 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$9300.00}, {$1000.00}, {$2200.00}, {$2900.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 


-- INSTALLMENT LOAN 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Dear officers, I am sending this letter to inform you with that my previous lender HSBC did not complete their true investigation regarding unjustified extra charges they made into my account. HSBC charged me the extra amount of {$3400.00} on XX/XX/XXXX ( attach-1, HSBC bank payoffs items, recoverable balances ). 

HSBC stated that this amount was outstanding foreclosure fees incurred in XXXX. I communicated with HSBC several times and explained that this charge had already been capitalized and added to my new modified loan amount as indicated on XXXX loan modification ( attach 2 ). 

Per agreed executed Loan Modifications Agreement date XX/XX/XXXX between HSBC and myself, it is implied all late interests, and other amounts ( late charges, unpaid balances, interest penalties, foreclosure fees ) up to the agreement date were capitalized ( summed ) and new loan terms started based on the total sum of {$620000.00}. 

This above said amount ( {$3700.00} ), had not been disclosed in the Loan Modification Agreement as additional charges. Based on consumer protection act lenders must disclose all charges including late fees, extra payments, penalties and etc. directly and explicitly to consumers in advance. 
At this time, I kindly request both CFPB and HSBC look into this problem. I demand HSBC to disclose and prove that the said amount {$3700.00} was mentioned ( written ) within the agreed Loan Modification Agreement. 

I am unfairly double charged. My money should be refunded immediately. 

Thank you very much for your kind and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX i went thru the drivethru to trade in my money that i washed because some was torn in washer and i had to take it. i been washing my money since covid and the first time it was torn. i was told my money is counterfeit i wasnt getting my money back i say how i got XXXX in XXXX  's from XXXX XXXX  atm and the two XXXX come from there atm at this branch location and i spend one XXXX at XXXX they use the pen gave me change so in all pnc took XXXX they were very irrate and hostile i have XXXX so i called the police because i need to have record of how much money they took told she said she would mail me a paper but i wanted something now. She ( Branch Manager ) l. i said i have another XXXX  right here and i still see the lines and everything so i failed to believe it is fail she kept hollering saying it was fake so i told her i will just take that XXXX to XXXX XXXX and let them check it i did afterwards and they said it was real. the police got the report for me i was never told anything about a process or how it work i called customer service to file a complaint and see how long and what is going to happen far as me getting my money back they only email me to call them i left several messeges by phone and email no responses because my situation could been went all the way wrong cause the police said if i would have left she would have press charges on me for theft by deception. and the manager kept trying to get me to leave, and still no answers.i withdraw all my money she didnt even give me a receipt for that and i asked to closed my account cause never in life have i even went through nothing like that before. the teller and the branch manager need to go to customer service training and do better. i could have been another XXXX XXXX with the irateness and had the police not have handled it in a good matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Items were disputed. They were given 30 days and did nothing. Now they are breaking the law, both Federal and state by not deleting the items.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
For some reason an account I had with ZALES was closed and my score dropped 49 points. Makes no sense XX/XX/1949 pts to XXXX We found 3 changes to your XXXX  credit report. 
Closed Accounts COMENITYCAPITALBANK/ZALE + Account Closed On-Time Payments COMENITYCAPITALBANK/ZALE + 2 Payments Made on Time Updated Account Information COMENITYCAPITALBANK/ZALE + Remark Added to Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX, I first contacted the credit bureaus regarding a dispute with creditor, American Express. While reviewing my credit reports, i noticed that American Express has been re aging debt so they would appear as active. They are reporting these accounts as new, changing the date of last activity, reporting late payments on a charged off account. I recently wrote to the credit bureaus to ask for validation of the debt and how was this debt verified. American Express when receiving my disputes update the same accounts by changing the dates, so they can continue to report them as new, which hurts my credit score tremendously. 

They are re aging these accounts which have been charged off. One account they are reporting activity in XXXX and these account was charged off in XXXX. 

American Express refuses to delete the accounts from my credit reports. They have violated the law and have not provided any validity to this debt. They only say its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is purposely not increasing consumers credit scores in order to entice them to sign up for Experian Boost and other products that they offer. My XXXX and XXXX are 100 points higher than Experian and they have the same reported information. I can understand a little point difference but XXXX to XXXX is too big of a difference. Ive paid down my credit card balance and paid bills on time even during the pandemic.

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 2020-08-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My Daughters private Student loan was paid off in full a year or so ago. There was a late XXXX payment possible 3 years ago. I asked all three bureaus to update my report to close my account as paid in full and satisfied. 
Well trying to better my credit and this sneaks back up on all my there reports stating I was 60 days past due. They keep reporting that monthly while my loan is now paid in full and closed. 
They need to remove that remark off my 3 credit bureaus as its looks like my parent student loan is still active as of this date and its still 60 days past due. There reporting this monthly and its hurting my credit score. They need to stop reporting my paid and closed account with a  high rank I loan paid and satisfied only. 
Please look into this and have then straighten this out as they certainly must think I am still active.

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 2020-08-24 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: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the  attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I took out a loan in XXXX of XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XXXX of XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my FICO score reporting XXXX. If I took out a XXXX dollar loan in XXXX of XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.

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