vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Poser Investments, Inc.
State: CA

Complaint narrative:
Poser Investments-2nd mortgage collection agency is forcing to foreclose on our home during Nat'l Disaster from covid. Poser refused to cooperate with Short-Sale. Poser is pushing my family to become homeless in the midst of National disaster from covid by putting an Auction Sale date of XX/XX/2020 on our home.Poser refuses to cooperate with XXXX XXXX-our 1st mortgage lender, to do Short-Sale, we have a buyer ready to purchase. We fell behind with mortgage payments because of multiple XXXX from XXXX and loss of income from reduced hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: MO

Complaint narrative:
I HAVE FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO ME.

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 2020-05-01 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: MO

Complaint narrative:
I HAVE FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO ME.

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 2020-05-01 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: MO

Complaint narrative:
I HAVE FRAUDELENT ACCOUNTS THAT DOESNT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
For four weeks ( starting around XX/XX/2020, if not before ), I have been unable to access my HSBC US checking account either via the website or via the HSBC US mobile app. Consequently, I am unable to check my balance or perform any other operations, which is especially difficult at a time of such uncertainty. 

I have been making almost daily attempts to access online banking. I get as far as the prompt to enter my user name. After clicking Next, I get a generic error message. On the website, this message reads simply : Error Occurred The system is currently unavailable, please try again later. 

On the mobile app, it currently reads : Service unavailable We're sorry, this service is temporarily unavailable. Please try again later. XXXX ( For a while, it previously read along the lines of ERR_GENERIC_NO_TITLE. ) On Thursday, XX/XX/XXXX ( over a week ago ),  I contacted HSBC via the online chat. After being asked to provide some likely irrelevant information such as whether I had tried using a different web browser, I was told that the issue was not down to any problem with my account, and that it should be fixed within one day. Since that time, I have not received any contact from HSBC, and the issue persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rodenburg LLP
State: MN

Complaint narrative:
I have some very alarming concerns about what these companies are trying to do. I have been receiving collection notices from TWO different companies. Why are TWO different companies trying to collect on the same alleged debt???? I feel very harassed and stressed getting these demands from TWO different companies for the SAME bill!!! The companies are Rodenburg Law Firm in XXXX, ND and XXXX XXXX XXXX in XXXX, VA. One of them sent a Sheriff with a summons to my house and handed a summons to someone else that was there. I do not remember which one I talked to on the phone, but they were very rude and demanding. I felt very harassed and was forced into setting up a payment arrangement that was financially out of reach for me. Even though I did not know what this debt was for, I tried telling them about my financial difficulties due to medical issues but they did not care. After speaking with my niece, who is helping me with my financials after my medical issues, she said we need to know what they are talking about before you send them money. We then sent them BOTH a request for validation letter. 
They BOTH responded. 
Portfolio response was with a few old credit card statements and a Hardship request form, which we filed out and returned to them. 
Rodenburg Law Firm sent a stack of statements and a demand for payment/ threatening court and a settlement offer due immediately. 
I am also VERY concerned as to why this company, who is saying they are a " law firm '', is sending information in the mail that contains my social security number on it for anyone to see???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: VW Credit
State: IL

Complaint narrative:
I went to purchase a XXXX XXXX XX/XX/2020. I had been emailing with the salesperson about the price and had been comparing prices at other dealerships. When I explained that I was considering another dealership because of a better price, I was assured that XXXX would match the incentives offered by the other dealership. At the dealership, we agreed on a selling price of a flat XXXX. We agreed on an out the door price of XXXX plus XXXX gap insurance. I put a payment of XXXX down and said I would return later in the day due to child care. When I came back and was signing the paperwork I was assured again of the price. They moved me through the process quickly because I had childcare issues. However, upon examining the paperwork a couple of days later at home, entirely different figures were on the contract. The out the door price with gap insurance was XXXX more than I had agreed on. I was lied to and cheated out of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not make the XXXX XXXX inquiry on XX/XX/2019 and reported it as fraud to XXXX XXXX immediately and disputed the inquiry with Equifax and Equifax did not remove the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I did not make the citizens bank inquiry on XX/XX/2019 and reported it as fraud to citizens bank immediately and disputed the inquiry with XXXX and XXXX did not remove the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: CO

Complaint narrative:
Midwest Recovery Systems, LLC is a collection agency from Missouri who is reporting a collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2020 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Midwest Recovery Systems is not a licensed collection agency in the State of Colorado. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been repeatedly targeted for the American Express Gold card and have been denied due to being a customer too briefly, which seems to be an arbitrary reason. Some other new customers are given two cards on the same day without a prior relationship. My other denial reason has been too many inquiries, despite one of them being a fraudulent inquiry, for which a dispute was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have 3 home depot cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling Home Depot several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with Home Depot # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. Home Depot will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( 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 2020-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have received a call from a collection by the name of Cedar business services company to inform me I have a debt to be paid. I paid the debt off in total in 2 payments. This was my first time being informed that I had debt in a collection. The collection company stated once I paid in total this collection would go off my credit reports within 15 business days. I have also contacted XXXX university which is where the collection agency stated the collection came from and they stated that they had been in contact with me and I have not received any attempts to contact. The way this was handled my credit report is being affected and I have took all necessary action to correct this once having the knowledge of this matter. However, this is issues is still on my credit report and is affecting my credit score. I would appreciate if you guys would be so kind to assist with this matter. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I closed my credit card at age XXXX, to avoid the predatory nature of credit cards, without education of the adverse effect on my credit history and would like this account removed from my credit report as a courtesy on my didactic journey to good credit.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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 {$780.00}. 
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.

-- COLLECTION ACCOUNT -- 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I had applied for a consumer credit card ( Propel Card ) at Wells Fargo bank. Later that day, I received an email from the bank saying that they are asking me to call a certain 1-800 number to discuss my application. When I called hostile agents informed that my application would be denied because as an immigrant I do not have the " right '' to have credit cards or credit lines in the U.S.

I am a LEGAL immigrant in the U.S.,  with a valid work visa, and an SSN, and have been in the U.S. for 12-years and counting. I have multiple credit cards from multiple banks and agencies. My credit rating is EXCELLENT, and my FICO score per XXXX is VERY HIGH. The only reason they rejected my application, according to them, is ONLY because of my immigration status.

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 2020-05-01 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: CA

Complaint narrative:
I have 3 XXXX XXXX cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling XXXX XXXX several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with XXXX XXXX # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. XXXX XXXX will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent my monthly credit card payment on a timely manner however because of the sanitary emergency apparently the US Postal Service delayed the delivery of my payment and as consequence my payment was received by the bank one day late. 

Capital one has charged me a fee of XXXX dollars on XX/XX/20 because of the payment being late one day. I strongly dont agree with the late fee charge not because the amount fo the charge is because of the principal/action of the bank. It really bothers me that not even the sanitary emergency makes them human and sensitive to what is going on on the world. 

Capital One is a bank that they only care money and they dont care people their customers. It is a very irrational bank that should be punished by the regulatory agency as they are not considerate with what we all are living now. 

This bank has no moral and no mercy and they believe that with their actions they will be richest. Again, what bothers me me is their injustice and stupidity I dont know in what world they live in. If they doing this to me I can imagen what else they can be doing to others that really needs help and support. This action should be punished and to be published so people dont do business with them anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2020-05-01 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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