vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Sometime on XXXX 2016, we opened a Bank Account in HSBC BANK USA , NA. Immediately after this, we received XXXX debit cards, on my wife and mine name. After a week or so, the bank account was never opened by HSBC, so we trashed the XXXX debit cards and close our relationship with this Bank. To this date, we are receiving monthly statements on my wife 's debit card showing no activity or use of the card. Today I received XXXX open bank checks on my wife 's name. Being aware of the many cases of happening fraud, I have called the Bank to cancel this debit account. Finally an operator said she can do it if I supply certain information, including our passport number, date of birth and a few other questions. I requested to speak to a manager, without any results. I hope that your Bureau can help us on this matter as it seems impossible to solve the problem speaking with bank. The name of the account owner is : XXXX XXXX, our address is XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX NEW YORK, XXXX. Telephone # is XXXX. Account ends in XXXX. 

Thanks in advance for your help on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have exceeded past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information that can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. 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 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On Wednesday XX/XX/2016 I checked my credit on XXXX and t total of XXXX hard inquires and XXXX collections were removed from my report. I check my account again XX/XX/2016 and all XXXX hard inquires and XXXX collections were placed back onto my report without sending me a reinsertion letter as required by FCRA section 611. I have called Transunion at least once week since then to try to get this issue resolved and have received no help, no one will transfer me tor connect me to american representative or the fraud department, multiple agents have been belligerent, some have even told me they know what happen but it 's basically too bad and that i should just file a complaint because they will not fix the issue.

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 2016-06-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal 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 non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
there are many inquires from each of my credit reports that are not mine XXXX XXXX XXXX front point security XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card service the XXXX XXXX card XXXX Transunion XXXX XXXX XXXX XXXX 3 times XXXX 2 times network crs XXXX services XXXX XXXX card XXXX XXXX XXXX XXXX I have sent certified letters to all three credit bureaus and they have ignored my request to remove this information that is not mine. If this continues I will take them to small claims court for removal of this 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 2016-10-27 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
Asked for validation of this debt and they sent me info from an online payday loan company with no signatures. Just typed information with my name on it. That is not Validation nor is it proof that this is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted TransUnion on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting act as to there failure to respond in a timely manner.

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 2016-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Pacific Union Financial, LLC
State: WI

Complaint narrative:
I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence, they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it, according to the FCRA, I am entitled to all the inforation from all these other investigations so why can I not get those results while this " new '' investigation is being done.

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 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alorica Inc.
State: FL

Complaint narrative:
Global Receivables Soluion, Inc./ West Asset Management , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXXFax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Global Receivables Soluion, Inc./ West Asset Management , Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc.
State: AZ

Complaint narrative:
I am filing a complaint with you because the XXXX Police Dept. advised me to do so. I received a letter from West Asset management today XXXX/XXXX/15 about a XXXX debt I am suppose to owe University XXXX Acct # XXXX. I have no knowledge of this debt. I contacted them by phone today and requested documentation proving I owe the debt and that I would happily pay once proof was received. All I got was that I owed money and that they were going to put in some sort of dispute status. I had been contacted a few months prior to this by this company and had the same conversation, show me some proof that I owe this debt and I will pay. I never heard back again until now. The fact that they seem unwilling to give some sort of proof that I owe this debt sounds real suspicious to me and prompted me to call the XXXX Police. They referred me to you. I have a letter from them here and would like to fax a copy to you, just do n't know where. You can contact me at XXXXXXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, or text/call XXXX ( leave a message, I work night shift I will get back to you ). Please look into this for me and let me know how I can be of assistance in helping resolve this issue. Like I said before, If I owe this debt then no problem paying it, I just need more than an anonymous phone call, official looking letter head, and a menacing tone of voice to prove that I owe. I am just afraid this might be another scam to pressure me into paying debts I do n't owe. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AZ

Complaint narrative:
A loan modification package was submitted to XXXX XXXX on XXXX/XXXX/17 - we were advised that the loan was being transferred to Caliber home loans on XXXX/XXXX/17 effective XXXX/XXXX/2017 - XXXX XXXX denied the loan into review with loss mitt. We then called Caliber on XXXX/XXXX/17 the day we were notified of the change in servicer 's, Caliber advised that the loan would not board their system until XXXX/XXXX/2017 - The clients home is set for Foreclosure sale on XXXX/XXXX/17 and neither servicer will accept the loan modification package for the review or postpone the sale date due to the transfer in servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have had an ongoing issue regarding my mortgage which ended up with Caliber, prior to which it was with multiple other services. 

For some reason, over the years, I find that forced property and flood insurance ends up on my account. This has happened not only with Caliber but servicers prior to Caliber, even though my property is not in a flood zone. 

Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual, the rep told me that during the modification, I am not to make any payments and that I would be contacted once the modification had been completed to alert me payments were due. 

I was sent statements and began to make payments when my loan was modified after XXXX 2015. However, on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently, unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
I purchased my home in XXXX. At that time, my legal name was XXXX XXXX XXXX. In XXXX, I filed chapter XXXX bankruptcy. Since I had XXXX mortgages, the XXXX ( The XXXX XXXX ) was discharged. Since, they have sold to Caliber. I learned last week that Caliber has marked the account as active and state that I owe approx. $ XXXX. I have called numerous times. The automated system does NOT recognize my ssi number, nor loan number. The only other option is to dial the ext of the person you wish to speak. I CA N'T get through to a live person. I sent an email and received an automated response saying they will reply in the legal amount of time. What is the legal amount of time? I had a loan officer call. She was able to speak to a supervisor who argued with the loan officer. The representative stated they will take the FULL 30 days before responding. This is clearly an error. The only thing received since bankruptcy was a XXXX for tax purposes, clearing the debt. I have never received anything since. I just want this corrected immediately and off of my credit report. I am not sure if XXXX forgot to mention bankruptcy or if Caliber did this on their own. Bottom line, I need this to be corrected immediately. This is horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
INQUIRY WAS NOT REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Union Bank issued new credit cards to its customers after changing the company that handles the credit cards to Union Bank. I have been unable to register the card autopayment, an error continues to occur showing the autopay feature has been turned off, though I continue to enter the info over and over again for autopay. It also does not allow for anything other than the minimum payment due, or the full balance, to be allowed to be paid, XXXX as a specific amount. I have been on hold for over XXXX hours with Union Bank, both customer service and technical support.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I am missing {$1800.00} in principal payment not applied to my account when my loan transferred from caliber to us bankwhen my loan was set up with caliber I went on a biweekly I made {$1800.00} on XXXX XXXX, {$1800.00} XXXX XXXX, {$1800.00} XXXX XXXX, which paid half of XX/XX/XXXX payment. i still owed the other half of XX/XX/XXXX and my loan was transferring to us bank starting XXXX XXXX was told by caliber to stop the biweekly automatic payment which I did. 
since I was on a biweekly, I totally forgot that I made half of XX/XX/XXXX 's payment on XXXX XXXX, so I went ahead and sent them a check from my bank thru bill pay for the full mortgage payment which was {$3700.00} ck # XXXX. 
my bank mailed it but caliber did n't receive it and I did n't want to be late, so I called them on XXXX XXXX, they said check was n't received in their system yet. so I was advised by their representative to make a payment over the phone and stop payment on the check that was mailed. I was also informed that I only owe half a payment which is {$1800.00} since I already paid the XXXX half on XXXX XXXX. 
so they took a payment over the phone for {$1800.00}. 
the next day, the {$3700.00} check went thru to caliber ; caliber, and according to them, applied it to my account although there was a stop payment on it. 
when my loan transferred to us bank, I setup automatic payment deduction for {$3700.00} plus an additional {$200.00} to principalwhen the XXXX auto deduction was made in XX/XX/XXXX to cover XX/XX/XXXX payment, us bank took it and sent it to caliber because I had a stop payment on that check and caliber applied the $ $ to my account. 
so I made the payment to us bank over the phone to cover XX/XX/XXXX 's payment. 
nobody seems to understand my situation here, which is real simple : caliber only applied {$1800.00} of my {$3700.00} towards principal, and I am missing the other {$1800.00}. 
I need assistance in looking at my payments made to both banks and resolving this issue asap, it is very frustrating to deal with this issue. no communication between lenders whatsoever.

Company response to consumer: Closed with explanation