vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-17 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have reached out to this company and had the run arounds several times. They have been reporting A derogatory account under my name that does not belong to me. I wrote A letter requested proof of this debt. If I purchased A car they would have A signed contract matching my signature and valid debt validation. I have not done business with this company and as of today this is the only account reporting derogatory which speaks to me not owing debt. This is not my account and I did not sign any sort of agreement for A loan with this company. They have refused to respond to any of the letters I have mailed over the last few months to get this resolved.

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 2020-10-17 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: PA

Complaint narrative:
XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

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 2020-10-17 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: PA

Complaint narrative:
XXXX is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

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 2020-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: CT

Complaint narrative:
Key to recovery is charging interest on a debt that they don't own. They report over {$1000.00} more than owed. The debt is currently in repayment with the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
We have a loan for our car with Ally Auto Loan. We recently moved to Florida and in order to get the tags the county needs proof of title from the bank. We got the information so the county could request the title but the county is hearing nothing back from Ally. If they do not hear back our car will not be able to be driven and this car is needed for our jobs.

We have tried calling ALLY and emailing and every route but they will not return our calls. They wont help. We pay our loan payments on time every time.

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 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I have been trying to recast for four months and they keep making it impossible to accomplish it. I really think they are dragging their feet and  making it difficult because they want my $ XXXX/month interest.

They made me jump through all these hoops and then did it incorrectly. I called to try to get clarification on how to proceed and they emailed me back about a completely separate issue. 
Also, I got my homestead filed in XXXX and they still have not adjusted my escrow. Again, they keep more of my money longer by not doing what they're supposed to.

Every time I call it ends with no resolution. Wait times are usually upwards of 30 minutes.

Even supervisors are unable to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and  appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

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 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am submitting my complaint to HSBC USA in lieu of an account  closure letter I received from them dated XX/XX/2020 without indicating the reason for such act. I have been a customer of this bank for 3 months and opened the account at the branch in XXXX XXXX  XXXX on XX/XX/2020. I believe my account was in good standing ever since with no record of any illegal or fraudulent activity. Firstly, I felt such initiative was absurd and unbelievable. I have read stories on the Internet about people who experienced this action from the bank ( HSBC USA ) without any explanation of why such account is to be closed. May it be personal and business accounts, they close accounts randomly without informing the actual reason. Secondly, numerous former customers of this bank shared their anger and frustration as to why their accounts were closed by this bank on an online forum. The action taken by HSBC USA is very inequitable and  vague. I opened the account at the branch to build a financial relationship with them and in good faith. However, all is lost for good is what I get. I am requesting that the bank will reinstate my accounts as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I XXXX XXXX paid my last collection today that was a debt sold to Portfolio Recovery Associates. The debt I paid off on a negotiated  settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with Portfolio Recovery Associates with my attorney on a conference call with me, it was determined that another collection that was originally  owned by XXXX XXXX Nevada, NA actually defaulted back in 2012. So it was determined that Portfolio Recovery Associates acquired a debt that was not valid. Accordingly, this collection should have never been reported on  any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

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 2020-10-17 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 {$4700.00}, {$760.00}.

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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Nelnet, Inc.
State: OH

Complaint narrative:
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. 

Account : US DEPT. OF EDUCATION/XXXX  # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX  and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report. I spoke to an Equifax representative who initiated a case on my behalf
with Equifax Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The Equifax business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.
I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express Hilton Surpass Card that is supposed to earn 6 point per dollar spent at US Gas Station, US Super Markets and US restaurants. I identified two merchants that were earning me XXXX points instead of the XXXX and contacted American Express classifies these two merchants as a gas station and a restaurant and is refusing to correct the error. A very preliminary calculation of the shortfall in points returns a  values of no less than XXXX missing points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I contacted the COMENITY CAPITAL BANK for XXXX customer service number and was disconnected 3 times during transfers. I purchased a XXXX on XX/XX/2020. I was told by the credit card representative at the XXXX dealership that I could pay a down payment using a this credit card. I was approved for {$4000.00} limit. I was told by the credit card representative to set up equal payments using auto payment for 6 months. I did this with 6 payments each at {$660.00}. I set up auto pay for the due date which was the 4th of each month and was established by Comenity bank, not me, each month to pay off the amount in 6  months. My balance reached XXXX on XX/XX/2020. On XX/XX/XXXX, I noticed i was charged {$380.00} as a financing charge. I was shocked. I contacted Comenity and found out for the first time that they set my 6 month no fees promotion to end on August 19- 16 days prior to the Comenity established payment due date. I have been severely effected by Covid19 and have lost my income. My auto payment due date was 16 days past the promotional date ending. I didnt get my mail during the time I was sick, and wasnt aware that the promotion ended XX/XX/XXXX. This date was not made clear or given to me on the date I financed. I only learned this after being charged this enormous finance on a XXXX balance. Now with a XXXX  balance, I am being charged interest on a paid off {$4000.00}. It feels like this is usery and racketeering. Its wrong that my due date did not coincide with the end of the promotion. This is a trick and its horrible they say they will help during covid but they actually will not. Comenity bank for XXXX has rained devastation on our family during the pandemic. I needed Covid19 relief and was told my comenity that we did not qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it.

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 2020-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
I XXXX XXXX paid my last collection today that was a debt sold to XXXX XXXX XXXX. The debt I paid off on a negotiated settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with XXXX XXXX XXXX with my attorney on a conference call with me, it was determined that another collection that was originally owned by HSBC Bank Nevada, NA actually defaulted back in XX/XX/XXXX. So it was determined that XXXX XXXX XXXX acquired a debt that was not valid. Accordingly, this collection should have never been reported on any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Hello, this complaint is regarding PHH Mortgage company.

PHH, for the past 6 months, has consistently misapplied my monthly payments and extra principal monies I have periodically also submitted. I believe their intent is to get more interest money as I attempt to pay down this loan. I am concerned that are also doing this to other clients, which is my reason for contacting you.

In attempting to correct these errors, I only receive inconsistent communication from PHH, despite my best efforts to work with them.

At this time - without notice - PHH has blocked on-line payments and an extra principal payment is unaccounted for ( withdrawn from my bank account but not credited or acknowledged on my account ).

Thank you for providing this consumer service. I can provide you with more details at any time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX XXXX XXXX are reporting a tax lien from the XXXX County Circuit Court for the State of Indiana. In attempting to dispute the liens against my business I have been unable to receive a copy of my business report to dispute the information unless I pay {$49.00} or more for a copy of my credit report.

I spoke to an XXXX   representative who initiated a case on my behalf  with XXXX  Business Credit and told me that I would receive a copy of my business credit report almost two months ago. To date, I have not received the report or any additional requests for information. The  XXXX  business grade of " F '' has caused my business undue hardship because of inaccurate reporting and prevented me from being able to obtain much needed business funding in the midst of COVID-19.

I have attached supporting documentation that shows I do not have any outstanding debt in the State of Indiana as I have never done business there.

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 2020-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
Deposited a Mobile deposit check, it was a Massachusetts Unemployment check. 3 months later they deducted the funds from my account and would not give an explanation, or do investigation. Bank claims that check was cashed after deposit. I destroyed the check myself so that couldn't be possible. Here is a copy of email I  was sent on Wed, XX/XX/2019, XXXX XXXX. 


Hi XXXX, Were sorry to inform you that your check deposit of {$340.00} initially accepted on XX/XX/2019 h

as been returned. Weve received notice from the Federal Reserve that the bank upon which the check was drawn is refusing to honor the check. The reason for their decision : PAID - Duplicate The deposit of {$340.00} will be reversed from your Spending Account as a result of this decision from the bank upon which the check was drawn. In addition to this notice, you will receive a letter in the mail in 7-10 business days regarding this return. If you have any questions, reach out to us by tapping the chat icon in your Chime app. Thank you, The Chime Team Thank you for you help.

Company response to consumer: Closed with explanation