vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 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: CA

Complaint narrative:
Bank : HSBC Account Type : Business Checking Account Our company had a checking account for five ( 5 ) years with HSBC and in the middle of XX/XX/2018 the bank closed our account. After talking to the bank, HSBC said there was some internal mistake ( " miscommunication '' ) within HSBC. There was no forewarning, no letter, no email, no phone calls, etc. There were no negative checking balances for the 5 years and all monthly bank fees were paid in full. Our credit cards were always paid in full and we never even made a partial payment on a credit card balance. 

HSBC gave us a Cashiers Check with our balance and then opened up a new Business Checking Account for us ( with a new Account number ). It took hours-and-hours to figure out what happened, then " fix '' all the outstanding checks, bounced checks with our Suppliers ( including imposed penalty fees ), change incoming wire-transfers ( e.g. from XXXX ), update outgoing pre-set wire payments, re-issue Debit Cards, change Credit Cards, make changes within our Bookkeeping provider ( using XXXX software ), etc. We researched other banks and then switched to a competitor bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
beginning on XX/XX/XXXX I sigmed 3 documents with Bank of the west had 2 payments delayed and gave permission for my wife to handle the account according to this bank only 1 payment was delayed and no poa was signed and they say they have my signature on a document that states only 1 delayed payment this has been changed to their benefit beginning with the fact a payment made in XX/XX/XXXX disappeared and yet we were approved for the delay which was not used. We split the payments and according to them we owed XXXX $ in late fees problem as follows they were paid XXXX $ from XX/XX/XXXX to XX/XX/XXXX regular payment XXXX that equals XXXX months if every payment was late the late fee is XXXX payment becomes XXXX that comes out to be XXXX months at XXXX that comes out to be XXXX months their numbers do not add up correctly again if you take the numbers and divide the amount by 23 months pmt shows XXXX divide by 22 months the payments come out to be XXXX XX/XX/XXXX to XX/XX/XXXX is 3 months XXXX 12 months XX/XX/XXXX to XX/XX/XXXX is 8 months however they are ignoring the XXXX delayed payment which has never been used I have gone over the numbers and they completely ignore the correct amounts and claim no payment was made in XX/XX/XXXX un true because they would not have approved a delayed pmt

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 2018-09-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against the American Express,. The following inquiry were not authorized by me, Never having given my permission for them to inquire about my credit status, they are unauthorized by me.

1 ) AMEX DATE : XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Bank currently offers Banking promotion which states " deposit XXXX within 30 days of account opening to get {$600.00} bonus ''. The promotion is done online only. Citi bank starts counting the days from the day you file the application online. Although the account gets approved in 3-4 days after application, the consumer CAN NOT LOG INTO account until they get a debit card which may take 2-3 weeks. Citibank requires a DEBIT CARD to be Handy to Activate the Account. Without a debit card, the consumer can not ACTIVATE THE ACCOUNT. Infact citibank will not even issue your account number without debit card activation. Hence the consumer is already at a narrow window and only gets 1 week time to deposit the money. In my case, Citibank never sent me a debit card or it got lost in the mail. They resend me the card and hence I already passed the deposit window. Because of this, Citibank states that I am not eligible for the bonus when in fact it was no fault of mine. Citi Bank failed to send me debit card without which I can not activate the account nor deposit money. Hence, it looks like it's a false marketing strategy to invite new customers and delay their deposits to make them ineligible for the bonus. Request for intervention. Name : XXXX XXXX Citi Account number : Citi Gold Checking XXXX Citi Gold Saving XXXX

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 2018-09-13 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: CO

Complaint narrative:
I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to XXXX, XXXX, and TransUnion, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to XXXX, XXXX, and TransUnion, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.

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 2018-09-13 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: CO

Complaint narrative:
I have sent multiple letters disputing the validity of this account being mine and requested XXXX to provide me proof, bearing my signature, that I have ever had opened this account. And from the responses that I received back from XXXX after disputing this account over the past few years, were statements with my name on them. The statements included addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX  CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 

XXXX states that these statements show valid proof that the account is mine, but I have never lived at any one of theses addresses. Nor have I ever disputed fraud charges with XXXX from which they stated on a recent letter, that a copy of a Declaration of Fraudulent Charges was sent to my prior address where they claim that I signed and returned to them. I never received such Declaration because I never lived at the addresses that were on the statements provided, and I have never signed any such documents because I have never lived at the addresses that were on the statements provided. My wallet was lost/stolen years ago, and I have called up each bank and credit card company that I had accounts with and cancelled each card. I NEVER called up XXXX because I NEVER had a XXXX account. 

My credit file with my social security that is reported to the credit bureaus, including but not limited to Experian, XXXX, and XXXX, all have " Fraud Alerts '' because of such IDENTITY THEFT activities. 

This is not my account with XXXX, nor have I ever had an account with XXXX. I request to have this account removed/deleted from all of the credit bureaus, including but not limited to Experian, XXXX, and XXXX, along with any negative remarks associated with XXXX, as it is severely damaging my credit file. I also request to cease & desist all communication with XXXX, written and/or telecommunication.

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.

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 2018-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am a customer with BofA I have a problem with their misleading policy on joint accounts which from my definition of it A joint account is a type of bank account that allows more than one person to own and manage it. There is no restriction regarding who can be an owner, which can include spouses, friends and business partners, among others. Everyone named on the account has equal access to funds, regardless of who deposited the money. The problem started when I gave my log in information to my relatives who lives with me that has their name on my accounts then BofA told me I should not giving out my information about my online banking even though they are joint with me with means from their definition When your Online Banking service is linked to one or more joint accounts, we may act on the verbal, written or electronic instructions of any authorized signer. Joint accounts using the same Online ID will be identified as one service. And I got very rude representatives saying that is illegal to give my verbal consent to my online access even though my relatives are using my account to transfer money to their accounts and checking their balance without restrictions.

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 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
At XXXX XXXX cst I received a call from my mom who then asked me about debt via XXXX. I say what and she states a woman on the other line mentioned it to her. I was bothered that any possible debt was mentioned. 
I was brought in to talk on a three way call. Young lady did not verify me until later in the call. Asked her to not call my mom. 

Did not think to tell her not to tell her to not share information with third party. 

The business was LVNV Funding, LLC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
There was black mold on my walls, I gave them 3 months to fix it. The complex never fixed it and the mold caused XXXX on my skin so I moved out. Then they charged me for breaking the lease but wont give me a breakdown of the receipt. I even agreed to pay them some even though i had to move out due to the condition of the apartment but they continually won't update my payment balance and want more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is a complaint against SYNCB the, I have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under 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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: NY

Complaint narrative:
The Inquiry was taken place on XX/XX/2018 a credit reporting app called Credit Karma. The company that is called XXXX had done a unauthorized/unknown hard inquiry about my credit. In the description of XXXX  was XXXX XXXX XXXX. I called the bank through the inquiry line and they said contact credit karma. Credit Karma has no contact number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I recieved XXXX dollars into my paypal account on XX/XX/XXXX when i tried to transfer it into my bank account i was told i had to wait 24 hours. I waited and tried again. I was then told to wait another 24 hours. Today XX/XX/XXXX i wad told i was no longer able to do anything with the money. I have called over 50 times and they will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 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: LA

Complaint narrative:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: LA

Complaint narrative:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Experian is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2018-09-13 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: LA

Complaint narrative:
Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Trans Union is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.

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 2018-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My mortgage servicer is not applying payments as should, XXXX XXXX XXXX, and they are missing payments which were sent to be applied to the loan. 
Payment amount has been raised over {$600.00} since XX/XX/XXXX which none of those payments have been applied to our 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 2018-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I got behind on my car payments and I notified CapitalOne on XX/XX/2018 that I was unable to make a payment on XX/XX/2018 ; however, I could make it on XX/XX/2018 via debit card since I got paid on 09/14/2018 and that I would also make a payment on XX/XX/2018 when I got paid again. This conversation was on a recorded line and in the company notes and approved by the representative I spoke with ; however, they repossessed my car at work on XX/XX/2018. When I called them 2 different people at CapitalOne confirmed that my payment arrangement for XX/XX/XXXX was noted in their system, but somehow it got deleted. 

They are now telling me they have to research the issue to determine if they made a mistake and obtain management approval. It could take 3-5 business days to resolve the issue. I am stranded without a car and have no way to get my personal possessions out of the car or get to and from work. My garage door opener is in my car so I have no way of getting into my house. I have taken on a 2nd job to get caught up and now I won't be able to work that job this weekend either. They are also saying if they determine that they were right in repossessing my car, I will have to pay the past due amount, late fees, and a repossession fee of {$520.00} within 10 days or my car will be sold.

Company response to consumer: Closed with non-monetary relief