vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX *XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  -ACCT # XXXX *XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME 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 non-monetary relief
Consumer complaint received 2022-10-24 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: FL

Complaint narrative:
Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, XXXX and Experian. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXXACCT # XXXX XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME 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 non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
My home loan mortgage company ( Home Point Financial Corporation ) transferred my mortgage to another company ( XXXX XXXX  ) in XX/XX/2022 without proper notification to me, so I was not aware of the transfer therefore missed all the monthly payments. It caused my mortgage to be in default and the property in foreclosure, severe damage to my credit score, and over {$4000.00} fees charged by XXXXXXXX XXXX related to the missed payments and foreclosure. 
Both Home Point Financial Corporation and XXXXXXXX XXXX failed to send notification to my mailing address which is different from the property address. Home Point Financial Corporation has my mailing address, but didn't provide it to XXXXXXXX XXXX, so both companies allegedly sent all the mortgage transfer notifications by mail to the property address. My family and job were both impacted by Covid so I had to live at my mailing address, so I didn't receive any of the alleged notifications sent to the property address. XXXXXXXX XXXX representative claimed the company tried to contact me several times through telephone calls, but all the calls went to voicemail ( and no voicemail was left ), but the representative admitted that all the calls were made by XXXX XXXXXXXX so they were blocked by my phone service provider and I didn't receive any of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I called the company numerous times trying to have them remove the late payments. I have been making payments to them.

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 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Company is calling nonstop from business and restricted numbers. Tried calling to see why and was told well we probably arent the only debt collectors calling you, we do nothing to violate your rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL

Complaint narrative:
The complaint # XXXX is not closed. HSBC closed my account on XXXX XXXX XXXX. They said I would have access to my account until then I did not have access to my account, it was still frozen. They said after the account was closed that I would receive my funds by the quickest method possible. I emailed the company today. If the company would have done the wire transfer like I originally asked, none of this would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act Designed XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Saks Fifth Avenue customer services are XXXX XXXX I never received the dress. I don't have it in possession. It said it was delivered on XX/XX/2022! However I never got the package. I called on XX/XX/2022 and a customer service representative told me it takes 7 business days before I can file an investigation for a refund. I called on XX/XX/2022 to do as instructed to get an investigation and refund credited for {$62.00} to my account. I was told that it would be refunded. Please explain what your XXXX poor findings came up with to determine this. I have called your online customer representatives 13 times from XX/XX/2022 to XX/XX/2022 and repeated myself each time. 

That is unacceptable. You charge exhausting prices and your service is quite frankly very sub par.. I shouldn't have to pay for items I don't have in my possession. 
Also I refunded the XXXX XXXX XXXX XXXX XXXX XXXX top on this order on XX/XX/2022 on the XXXX floor of Saks 5th Avenue on XXXX XXXX XXXX XXXX to a customer representatives. I expect a full refund for this item! I also had your incompetent representative reorder a size XXXX XXXX XXXX XXXX XXXX XXXX and the representative put an inaccurate email address for which I can't track nor can I receive updates. See the attached screen shot of the order number and THE WRONG EMAIL. Because of this incompetent representative I had come back into the store on XX/XX/2022. I spoke to the same representative on the 5th floor requested he change the email address to the right one. He said I didn't need to. I don't have any of these items. I refuse to pay for it. I will report Saks to the credit bureau. THEY REFUSE TO GRANT A REFUND. I will no longer be shopping at Saks. You XXXX and hold zero accountability for your terrible service. Blame the customer right? You and your team lie squarely at fault for all events.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 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 — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
A scammer logged into my account on XX/XX/XXXX online checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good evening. The XXXX XXXX XXXXXXXX account that appears on my credit profile at Experian XXXX and XXXX has be disputed several times since XX/XX/XXXX for inaccuracies, incompleteness and unverifiable information. Number 1 this account was disputed in XX/XX/XXXX and by XX/XX/XXXX the notice of dispute was never entered which is to be entered within the thirty day timeframe required by fcra guidelines. For this account to be verified as accurate Im not Understanding how all three bureaus report different information about the SAME EXACT account. It seems to me as though this count can not be verified accurately and it is my right to have 100 percent accurate complete and VERIFIABLE information on my report. I have attached proof of the discrepancies that each bureau is reporting, such as Experian reports status updated XX/XX/XXXX where transunuin status updated XX/XX/XXXX and XXXX reports XX/XX/XXXX. How is this possible if all three claim to have investigated this account properly? Another example is the payment history on this verified as accurate account - XXXX  shows no information for payment history where Experian and XXXX report payment history but it doesnt match. ( XXXX shows ok for XX/XX/XXXX and Experian shows charge off for XX/XX/XXXX ) if these bureaus all verified this account as accurate then shouldnt they all report the SAME 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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX  account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance to the Fair Credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXX account # XXXX, has violated my rights. 

In accordance to the Fair Credit reporting act XXXXXXXX XXXX  account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fraudulent Application for credit card taken by Captial One on XX/XX/XXXX using my information ( SSN/Name/DOB ) - hard inquiry to all three credit bureaus - I did NOT apply for this card - the address on the inquiry on my XXXX report reflects an address and phone number that is not mine. Capital One refuses to provide any information or remove the inquiry until after 90 days. Only XXXX credit bureau allowed a dispute on their website. Capital One XXXX department told me on XX/XX/XXXX they did not see an application only to tell me on XX/XX/XXXX there was an application. After 2 hours on the phone with Capital One I was told no information could be provided to me. No protection provided by Capital One, no alert from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX Please reference this case. It was closed and NOT resolved. 
Bank of America kept giving me phone numbers 1. was no longer in use and the 2nd one they gave was not a valid number to rectify the issue. I was suppose to be getting a phone number for B of A 's underwriting dept. Please reopen the case above and reference the information. 
Thank you XXXX 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 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Debt collection agency calling distant family associate/friend ( dentist 's wife ) with no association to persons of interest. Debt collection agency has not contacted persons of interest via phone and contacted this person unsolicited. This is not acceptable and should not be happening as the debt collector should be dealing with the persons of interest directly. Persons of interest is worried that CBE Group is contacting all people near to them and is contacting in a harassing nature. Debt does not appear on credit report. XXXX $ showed as debts on credit report so can not find the possible debts owed to CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TX

Complaint narrative:
I have had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

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 2022-10-24 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: TX

Complaint narrative:
I have had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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:
I have had an ongoing issue with all three XXXX  regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.

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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I'm new to the XXXX and have started with my XXXX employer a month ago. 

I received a cheque from employer that I deposit on my XXXX HSCB account XX/XX/XXXX. 

I then receive an advance from HSCB on this cheque ( XXXX  XXXX ) that I transfer to another my XXXX  credit card. XXXX has an account on my name with the XXXX XXXX saving banks. I send this XXXX  XXXX to my account on XX/XX/XXXX. 

I then get paid the full cheque on the XX/XX/XXXX by HSBC and I immediately transfer the rest to the same account with the XXXX XXXX XXXX. 

I then receive on XX/XX/XXXX an e-mail from HSBC saying the below : " On XX/XX/XXXX, you initiated our trial deposit verification process to verify ownership of your XXXX XXXX XXXX XXXX, Checking account. 

To verify this account, we attempted to make two small deposits and a withdrawal for the total amount of the two deposits. Unfortunately, our attempts have been unsuccessful. 

This is because XXXX XXXX XXXX XXXX, Checking has indicated to us that the account for which you have requested verification is unable to accept transfers. '' I immediately contact them ( the customer service, I don't have a relationship manager ). They say the money is out, give me a reference code and tell me to contact the receiving bank. Which I do, I open a case with them, they don't find anything. 

On XX/XX/XXXX I call HSBC again, they're trying to put me through their Payment team. After being unsuccessful doing so, they say they will call me later. They never did This money is my salary. I can not eat neither pay my rent without external support. 

I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
The collection company jumped on a debt that was in the process of being XXXX less than a month after it was acquired. 

The original company was entirely incompetent in getting me the account information. I was not able to get online due to cancelling my account and their " customer experts '' couldn't help me or send me account information after verifying that the account owner was on the line.

Company response to consumer: Closed with explanation