vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 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: TX

Complaint narrative:
I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.

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 2019-11-18 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: TX

Complaint narrative:
On XX/XX/XXXX, Experian started reporting XXXX as a Derogatory Account on my credit file in the amount of {$300.00}. 
Police report and information that the following account was opened due to indentity theft was sent XX/XX/XXXX to this consumer.

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 2019-11-18 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:
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this 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 non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX Report Number This dispute was opened in XX/XX/2919 It was Identity Theft / fraud where 2 credit cards were opened up with my personal information. The banks issued the credit cards $ XXXX in each card. Barclays Bank And XXXX XXXX. 

I still see both in my XXXX  credit report!!! 

How can I get them removed?? 

Never can reach a real personal n at XXXX  and Banks never can provide concrete information PLEASE HELP. I always had excellent credit reports and now down to poor.

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 2019-11-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RMS-Recovery Management Services, Inc.
State: MD

Complaint narrative:
During a review of my credit report, I noticed a debt and a corresponding name to that debt that do not belong to my identity. The debt was related to a federal student loan and the name corresponding to that debt was one not belonging to my identity. After further review, I disputed that debt and name with each credit bureau as neither belongs to my identity. To this day, the referenced derogatory account has remained on my credit profile and is affecting my scores tremendously. I know that this debt is not an enforceable debt in the amount stated and does not belong to my identity. An unknown party without my permission or knowledge used my personal identification data to execute documents to obtain this loan. As I did not apply for this loan personally, I never intended to receive a student loan to pay for my education. An attempt to use mine and others personal identification data to obtain this loan was done illegally, with incorrect and false data. 

The date of the first contact by the collection agency was XXXX of XXXX. The total balance they presented to me was {$5200.00}. At that time I contacted the agency explaining the debt was not mine and does not belong to my identity. They responded in XXXX with documents and steps I needed to take in order to prove that fact. I followed their steps within the same month, only to be contacted saying what I did was incorrect and would not be accepted. In XXXX after not hearing from the agency, I sent another letter explaining the debt was not mine in conjunction with a letter from the FTC and an Identity Theft Report to have the debt collection stopped and it removed from my consumer report. Between XXXX and XXXX, they started to send correspondence to my work saying that they were going to garnish my wages in order to pay off the debt. They did not stop reporting the debt or stop collections activity against me but sent another form in XXXX that I needed to fill out to prove the debt does not belong to my identity. I complied and returned the form within the week. Again they responded needing MORE supporting documents by XX/XX/XXXX. The documents the requested were documents I sent them previously and this would now be the fourth time. I sent the documents in order to comply and put the matter to rest. However, after returning the documents I have not been able to get ahold of the  agency and they have not communicated any results back to me. I have sent follow up letters to all parties involved but I have not received any responses. One thing the collection agency does a good job of is leaving the full name of who the debt belongs to on their documents. They leave out a key part of the name that proves immediately the name and debt does not belong to my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: LEXISNEXIS
State: GA

Complaint narrative:
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: ID Analytics, Inc.
State: GA

Complaint narrative:
To whom it may concern : In my credit report there are account that are not mine, I'd like for you to remove these account from my credit report, because I may have been a victim of identity theft, an FTC report is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have explained to Transunion that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.

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 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I recently saw this debit on my report Enhanced Recovery for XXXX that was opened on XX/XX/17. I have been with XXXX XXXX for about 3ys not XXXX. I need to know what address is associated with this 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 2019-11-18 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: IL

Complaint narrative:
I have explained to Equifax that they are reporting an incorrect balance for XXXX/XXXX. They are not updating this account monthly as they should. The balance on this account is {$0.00} not the balance that they are showing in the amount of {$93.00}. Please update this account to show the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have had a QVC Q card for a couple of years now. I make my payments. I have never missed a payment. Each billing cycle QVC lowers my credit limit to be BELOW my statement balance. As a result, I am perpetually reported to the credit bureaus as utilizing more than 100 % of my available balance which hurts my credit score. I am always shown in the negative when I am not. 

This is completely intentional on QVC 's part and dramatically hurts me as a consumer. I have abided by my side of the credit card terms by making all my payments. This is a trick designed to hurt my credit.

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 2019-11-18 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I have called American Express about an account being made without my consent. I even asked the company if they can help remove it. Since that date I have not received any notifications or updates on the investigation. The last thing I heard was that the investigation will take about 30 days. 

Last week on XXXX XXXX in the morning I went to XXXX XXXX to purchase a new car I contacted XXXX to confirm that everything was cleared up before I made any purchases. According to my fraud case specialist from XXXX  the results still showed American Express was still on my credit report. The dept was also XXXX dollars according to my credit report. XXXX  confirmed with me that the account was made from some one who used my Social security number. 

Today at XXXX I contacted the Amercian Express Fraud Department in regards to this case. They have not resolved the isuue. We spoke with XXXX from the Amercian Express Fraud Dep. Again he said it will take another 30 to 60 days even though our case has been put as a priority. 

I need help to resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
XX/XX/XXXX. I did a mobile deposit of XXXX. It got credit on XX/XX/XXXX. I pay two bills XXXX cellphone bill payment. XXXX dollars check cash. I was two bounce fees both. Totally XXXX dollars. They charge me another XXXX. Which is XXXX. I call ask why they charge bounce when check cleared. This Hancock and Whitney Bank. I still havent issue been able fix issue with them. I call Hancock and Whitney about issue costumer service on XX/XX/XXXX. I feel this overdraft was not reasonable. I know taking advance me as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
We were paying off the mortgage on our house. The payoff amount was to arrive at the lender, PHH Mortgage, on XX/XX/19. That is the same day that PHH would debit {$1100.00} for the XXXX payment from my checking account. On XX/XX/2019 I called PHH and informed them the loan will be paid on XX/XX/XXXX and asked that they not take the XXXX payment from my account. The PHH rep said no problem PHH would stop the withdrawal and in fact PHH did not take any money on XX/XX/XXXX. Now today, XX/XX/2019 they took the XXXX payment, {$1100.00}, from my account.. 

I called PHH and asked if the entire loan had been paid off on XX/XX/XXXX and it was confirmed that it had. I asked if PHH has the record of my request on XX/XX/XXXX to stop the XXXX payment and was told yes. So I asked why then did PHH take {$1100.00} from my account on XX/XX/XXXX. I was told, by a rude representative, that it takes 30 days to make a change to how payments are made. I said that makes no sense because you already stopped the XX/XX/XXXX payment and then arbitrarily and without authorization took money three days later. This really is outrageous. Now I have to wait " up to '' 25 business days to get MY money that PHH illegally took on 100 % paid off loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I contacted GM Financial on XX/XX/2018 to request that my payment be moved to the end of the loan for my XXXX  XXXX XXXX. I spoke with a rep who said that all I had to do was pay XXXX or something like that and my request would be granted I made the payment with the rep and she said the request was approved and took care of other things I need to take care of financially. The rep called back and said my request got denied because my account was to new and I explained to her I had already used the other portion of the money for other things and had she told me while on the original phone call that my account was to new and it wouldn't be approved I would have just made the entire payment but I didn't cause she stated the request was approved and I was ok. Gm Financial reported my account as 30 days late in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019. 

I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days. 

After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019. 

The Advance Checking Account has a $ XXXX  monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle. 

If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts? 

It is because I meet the following ... 

Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
In XXXX of 2019 i opened up a XXXX line of credit with Acima Credit to purchase furniture at XXXX XXXX  XXXX, i made 4 successful bi weekly payments starting in XXXX of 2019. On my credit report for XXXX they alerted the credit bureaus i was 30 days late then XXXX  60 days and for XXXX, and XXXX my credit report says charged off account. Not once did i receive a bill or communication of late. They had my incorrect address on file for months even though i updated that before my furniture was delivered. Please see on paid in full letter attached they still have my incorrect address on the account. I made 3 lump sum payments to pay the account off in XXXX which totaled around XXXX dollars. I have in writing they would remove the late payments and show my account as closed paid in full with current status. My credit report updated for XXXX and they not only did not remove the incorrect late payments they also incorrectly put on my credit reports that this XXXX loan is a vehicle loan and its charged off as bad debt. I have called them every day, most days i get hung up on after someone says I see the error. Today i called again and was hung up on after being on hold for 11 mins. I was advised although they see the error and the account was paid in full, there was nothing they could do about it and late payment weight fades over timer nothing about the account reporting as a vehicle lease. All I'm trying to do is get these incorrect late payments removed or get this account deleted off my XXXX  reports. They have since offered me another line of credit for an installment loan but refuse to update my credit report. I will advise anyone to not do business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
2009 Bank of America hired a company called XXXX  out of California to forclose on our home ; XXXX  was never licensed in Arizona. 

Bank of America forced us to sign a bad loan modification

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