vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-12 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my 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 non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: NE

Complaint narrative:
XXXX XXXX XXXX is falsely saying I wrote a bad check at a XXXX store # XXXX in XXXX, Georgia on XX/XX/2018 for {$230.00}. I have e-mailed them saying this is NOT me! I live in Nebraska and never even been to Georgia! They sent me a declarations page to sign ( included ) saying I didnt receive any benefits or value from the check. I signed it and sent it back. Now they sent me the same page to sign again and another page requesting my personal info ... ssn #, checking account info etc. Of course they wont be getting my personal info. This isnt an identity theft problem because no moneys have disappeared from my checking account. Instead I believe its a scam but, they wont go away. Ive read of others having the same problem with XXXX  and it always begins with a supposed bad check written to an out of State XXXX. Ive included pictures of 2 letters they sent me and I have more but, if I can fax them to you it would be easier. Thanks. My case ID is XXXX and tracking number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Hi, I have had numerous issues with Hyundai motor finance USA. I have had two issues of getting deferments on my account and then they reported them as 30 day lates. Ive also had some late fees showing on my credit as 30,60 days late. Ive never been more than 26 days late on my account I have always made my regulatory schedule payments. I had an XXXX credit score and now because of Hyundai reporting 2 -30 day lates and 1-60 late my score of down to XXXX all due to Hyundai as every other account in my credit has and shows a perfect payment history. 

This needs to be corrected and stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
I lost my employment in XX/XX/XXXX ( at that time I was XXXX  years of age ), thus, I started Social Security at that time. I used all of my savings to supplement my Social Security in order continue to pay my bills and necessities. When it was obvious that I was running out of savings ( in XX/XX/XXXX ), I started a debt management service in an effort to pay all remaining debts. XXXX XXXX  was the holder of 2 of my accounts ( XXXX and XXXX ). Both of these accounts were placed in my debt management program. Through the service, some of my credit card accounts have been paid in full, XXXX is one of those accounts. However, last month a collections notification was placed on my credit report from XXXX XXXX XXXX for the XXXX account. XXXX XXXX was contacted, who then told me that I needed to contact XXXX XXXX XXXX, who then told me that I needed to contact P & B Capital Group, who then told me that I needed to contact XXXX XXXX ... as you can see the tail chasing began to go on and on. Best that I can assume is that the amount still owing is for XXXX, but no one at XXXX XXXX XXXX ( indicated on the credit report ), XXXX XXXX XXXX or P & B Capital were able to give me specific information, yet they were able to place a collections notification in XX/XX/XXXX for an account that was actually paid in full in XX/XX/XXXX. Please note that P & B Capital continue to receive payments for the XXXX account from the debt management service each month and is scheduled to be paid in full in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCING CENTER
State: FL

Complaint narrative:
I paid of my mortgage loan XXXX early in full on XX/XX/2017 as per the payoff statement provided by Home Financing Center due to many irregularities in the way the company was hiding excess payments as " fees '' or " taxes '', their not applying payments to the account as paid so that they can bill additional " late '' fees and many other problems. They have provided credits when it has been called to their attention but later " miscellaneous '' charges keep popping up to make funds disappear again. To date I have been unable to obtain my satisfaction of mortgage from them even though it has been over a year since paid. They are also continuing to damage my credit all they while they have the payment sitting in " unapplied '' to rack up more late fees. After I requested a refund of the excess payments, all of a sudden I received a purported backdated " legal fee '' cost on the account from one XXXX XXXX XXXX ( F rating at XXXX XXXX XXXX ) to make  the excess funds disappear as I had requested a refund of the escrow account. This " cost '' showed up after the mortgage was paid in full and was not noted on the payoff statement. Home Financing Center needs to lose its ability to service or write mortgages especially FHA mortgages. I would appreciate receiving my satisfaction of lien for my property by the end of this year as it is preventing me from selling it or passing it on to my children causing great damage.

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 2018-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
On XX/XX/2018 a charge of {$63.00} was made for XXXX XXXX XXXX. I do not own an XXXX. I attempted to contact XXXX XXXX  customer service today XX/XX/18 and was told by the automatic answering machine that the number was no longer in service. I tried several other means of contact via XXXX, corporate and my local store. It was hours later before I found out myself that the number was working again. I then waited 20 minutes to speak to someone, be transferred to the fraud dept. and be told there's nothing they could do. Apparently, I need to contact the merchant and XXXX refused to do anything at all about it. I was under the impression that XXXX alone had a policy regarding me not being responsible for fraud charges under certain circumstances ( which I qualify for ). I told her I couldn't find a real contact number for XXXX so she gave me one she was certain would work. It didn't. It connected me to someplace advertising addiction and upon recalling it and double checking the number, it told me the number didn't work in my area. So I am at the mercy of a company that is impossible to get a hold of and my credit card company who is difficult to contact. No one has hours a day to dispute a single transaction. I feel that XXXX isn't holding up their end of the XXXX guarantee, assuming they have to, and is also intentionally being uncooperative. I want the charge removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-12 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:
According to my recent credit report request from Equifax, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to EQUIFAX, XXXX, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX  Account # XXXX Being Reported to EQUIFAX, XXXX, XXXX  CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to XXXX, XXXX  ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to EQUIFAX, and XXXX  ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To EQUIFAX, and XXXX ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX  XXXX XXXX/XXXX XXXX Being Reported To XXXX  ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To EQUIFAX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX  ( PLACED FOR COLLECTION )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 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:
According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, XXXX, EXPERIAN, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, XXXX, EXPERIAN CHARGED OFF ACCOUNT BAD DEBT XXXX   Account # XXXX Being Reported to XXXX, EXPERIAN ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and XXXX ( CHARGE ACCOUNT ) XXXX Account # XXXX Being Reported To XXXX, and XXXX  ( CLOSED OR PAID ACCOUNT/XXXX   BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To EXPERIAN ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX ( FLEXIBLE SPENDING CREDIT CARD ) XXXX  XXXX Account # XXXX Being Reported To XXXX  ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on XXXX ( PLACED FOR COLLECTION )

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 2018-12-12 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: MI

Complaint narrative:
I have sent 4 dispute letters to Trans Union to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX system, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.

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 2018-12-12 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:
Was informed that someone fraudulently attempted to open an account under my name with XXXX XXXX. Fortunately, the account was not opened, however I wished to have the fraudulent inquiry removed from my report with Experian. The letter I received from the bank provided a number to contact with Experian to have the information removed. I have spent the past 2 hours attempting to get a live person on the phone, always ending in the same dead end on the phone tree with no help/options for this issue. When I attempted to dispute online, through the credit bureaus website, I was ultimately provided with a phone number to call to lodge my dispute. When I call that number, it ultimately leads me to the same dead end. This leaves me with zero recourse for the dispute.

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 2018-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt I do not owe. They are claiming I owe {$180.00} for XXXX XXXX XXXX XXXX. I have asked them to validate the debt with a signed contract and they did not provide me with one. All the sent me was a bill from XXXX. Per XXXX  policies and individual can not have an insurance policy while having an unpaid past due balance. I am currently insured through XXXX! This is not my debt. I have written numerous times to the credit bureaus to remove this account and they say the company validated the debt. They will not send me any documents that they have that proves this is my debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my 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 2018-12-12 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: NC

Complaint narrative:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I've reach out to the credit bureaus several times, but I was not successful as I've now learned that all the disputes and letters I've sent in were just verified electronically, or sent overseas for processing. I am wanting to block these fraudulent accounts from my credit report, they have don't so much harm, and cost me lots of money with the lenders that I now do business with. After consulting with my attorney and a mortgage broker, then informed me of my options in handling my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. 

I called customer service and they said that there was a final decision by the computer. 

I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CT

Complaint narrative:
I opened a Brokerage Account and a Checking Account with Charles Schwab on XX/XX/18, the Brokerage Account opened immediately but the Checking Account went into review. On XX/XX/18 at XXXX XXXX I received an email asking me to review my account information on their website, when I did I noticed the checking account hadn't opened yet. I called a Charles Schwab representative on XX/XX/18 at XXXX XXXX to find out why and was told that everything was fine I had gotten the checking account and it would be available for funding on within 24-48 hrs. After this phone call I received a welcome to Charles Schwab email at XXXX XXXX, reinforcing the information he provided about my checking account being opened. Today, XX/XX/18 I went to log into the account only to find out that everything has been closed. I called Charles Schwab and spoke to three representatives, this first verified who I was and when he went to investigate what happened to my account I was put on hold then with no noticed transferred to a woman named XXXX who informed my that they pulled my XXXX  report and had to close my account. I asked what information caused it to close and she would not provide that information over the phone, she said it had been mailed to me, I asked why I was told I had been approved for a checking account only to then have my account closed and she could not provide me with that information. I asked to speak to a supervisor, XXXX forwarded me to XXXX ( employee identification number he gave me : XXXX ), XXXX would not provide me with any information either, I asked him for the first names of the employees I had spoke to on the phone so that I could document it, XXXX would only provide me with his name and XXXX name ( not her Employee Identification though ), he said that they can see who I spoke to and when but refused to tell me who else I had spoken to on the phone or who the employee was who had told me I had been approved for the Checking Account. I had asked if their was a resolution center I could speak with, XXXX gave me the following address : Client Advocacy Team, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX California, XXXX. I asked for a telephone number to real the Client Advocacy Team and he refused to give me one. XXXX said I could only mail them. XXXX was very unhelpful and even threatened to end the call. I was forced to hang up with no information at all, I never even received an email from Charles Schwab saying my account had been closed, I just went to log in and it had disappeared. Extremely disrespectful.

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