vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, my credit, debt, and health savings accounts were physically stolen from a fitness club   without my knowledge. The bank called me on XX/XX/XXXX to ask about purchase being made at the XXXX  XXXX. I looked into my wallet and realized the cards were gone and the bank shut off both cards. They initially refunded the entire balance($XXXX on one card, $XXXX on another card for a total of $XXXX) back but then denied the fraud claim and took the funds. They claimed this was because I did not get a police report. A customer service representative claimed once I submitted the police report, I would receive the funds back she was so confident she gave me her employee number, XXXX  employee #XXXX. They also indicated I should not pay the balance down due to it being fraud. After a few weeks/months I decided to pay the balance in full because the matter was not making any progress and the interest charges were starting to add up. I received the police report on XX/XX/XXXX  after months of bad communication or information from my bank. Apparently over a certain $ amount if you do not provide a police report, they deny your claim. This would be nice to know, they claim they sent a notice to my home which I also never received. They told me at least 3 times the police needed information from me and each time I called the police station this was not the case. I talked to the officer many times who was assigned to my case (Officer XXXX PD) and she even offered to call the Fraud Team with me. This did not work either as the fraud investigator was almost impossible to reach, his name was XXXX XXXX XXXX. I even inquired the help of two different HSBC Managers(XXXX CT- XXXX XXXX XXXX and XXXX NY-XXXX  XXXX XXXX) and they struggled to contact the team as well as they are a separate department from retail bank operations. I finally threatened with a lawyer(XX/XX/XXXX, bank responded XX/XX/XXXX) and asked for the badge numbers of officers they claimed they talked to(XX/XX/XXXX, no response from the bank). I have heard from the branch/relationship managers that they denied my fraud claim for a second time because the point of sale system used at XXXX, one of the places I got frauded at, had a receipt with my email address on it. No one from the fraud team ever provided in writing a reason why I was denied. I know this is not a huge sum of money but it is mine and I want it back. The icing on the cake was I closed on my first home XX/XX/XXXX and these accounts were flagged as disputed accounts and came up in underwriting. I provided an explanation to XXXX XXXX XXXX and they approved my loan on a 30 day close. I went with XXXX XXXX XXXX for my mortgage even though the APR was higher because HSBC has lost my trust with the way they handled this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX user “XXXX XXXX XXXX XXXX” asking for donations for XXXX year olds XXXX Treatment. XXXX  diagnosed with XXXX XXXX. Not been to hospital for treatment according to inquiry. “She’s with her grandma right now. She isn’t in the hospital yet  We need to raise more money for her to get her treatment“Asking for donations on cash app XXXXTried to contact Cash app but no way to contact without setting up account on cash app. This should be illegal. There should be customer support phone and an email. Only To receive automated instructions over the phone, please call XXXX. To reach us by mail:Cash AppXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXXI don’t use cash app and do not intend to ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NY

Complaint narrative:
I received a letter from a collections agency [ AFNI Inc ], claiming that I opened a loan from XXXX. I responded to the letter asking for more information and validation, proof, and an original copy of the loan agreement with my wet ink signature. They habitually ignored my request. It has been well over 90 days and I have not gotten a response to what the loan is. Upon further investigation it appears that my name and address was used to open the account and/or billing reasons. This is without a doubt true name fraud, which I informed them because I have never lived in the city or address that they claimed or received any goods from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: SC

Complaint narrative:
I requested validation not verification of a debt being reported on my XXXX  credit report from Americollect in the amount of {$210.00}. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand the disclosure to me all of the documents that Americollect Inc.have recorded and retained in their file at the time of my request concerning the accounts that are reported in my credit report. Americollect responded to my request by saying that these accounts have been verified, I specifically asked for validation. Americollect has responded with a bill that does not prove that this debt is mine, nor does it have my signature, nor does it have any proof of a contract that I had with Americollect or the XXXX XXXX XXXX who is listed as the creditor on the response from Americollect. It also has an incorrect DOB for me listed as well. The itemized statements that were sent by Americollect do not even list the same company as the creditor as it is reporting on my credit report. Americollect is not licensed by State of SC. I want this information removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX/XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect report of lates is harming my credit score and these line items need to be removed from my credit report I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting incorrectly that I am (90 – 120) days late on the XXXX  – partial account number XXXX.  (Please see page attached from my credit report.)  This account reports a $XXXX  balance and $XXXX  past due.  Please keep in mind that it is impossible to be late on an account that has a $XXXX balance.  This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.  I have contacted the bureau to remove this however, I have not been successful.

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 2019-12-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
During the last week of XXXX I was given a settlement offer on my XXXX XXXX account. I was assigned Sequium Asset Solutions reference # XXXX. I was told 4 payments of $XXXX would be taken monthly during XXXX, XXXX, XXXX and XXXX.It was not made clear to me that these are post dated payments. I made XXXX  payment by phone with a customer service rep. In XXXX  I decided to call a make the payment early. I made a payment for $XXXX  on XXXX.On XXXX a transaction for $XXXX by Sequium was showing on my XXXX XXXX Checkoing account, this was charged by the merchant to my debit card.I filed a dispute with XXXX XXXX and the funds were credited back to my account.I called Sequium on XXXX. The Supervisor informed me that my account was debited on XXXX because the payments were posted dated.--She also said the rep who set the payments up, set up the wrong amount.I asked if I could make the payment on or before the XXXX of each month through the automated system instead of having the account deibited. She said she would cancel remaining payments and note the account that I would make payments. She asked for the date I would make each payment. I told her I would make payments on or before the XXXX of each month.Today XXXX once again, the amount of $XXXX has been debited to my XXXX XXXX account, this was a Debit Card transaction done by Sequium.I called Sequium today and again, Supervisor XXXX said she would cancel all post dated payments and note the account I will make payments on or before the XXXX of each month(XX/XX/XXXX, XX/XX/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 2019-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/19 I reached out to XXXX XXXX XXXX XXXX to settle an account that I cosigned on, that was originated with Navient. They agreed to accept a lower amount ($XXXX), if it was paid that same day. After receiving the offer by email, I called back and paid in full, by electronic check. I was assured that I would receive an email and letter that this account was paid in full, and that this account would be removed from my credit report. The payment cleared my bank on XX/XX/19.  I have called XXXXr 6 times beginning on XX/XX/19, and each time was told that I would receive such letter by end of business day.  As of XX/XX/19, have not received letter or email. I have also reached out to Navient on XX/XX/19,  with no better luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: MI

Complaint narrative:
CHECKED MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCTS.    XXXX XXXX XXXX    Account Number: XXXX****   date opened XX/XX/XXXX  amount $XXXX XXXX XXXX XXXX XXXX    Account Number: XXXX**             date opened XX/XX/XXXX  amount  $$XXXX    XXXX    Account Number: XXXX****      amount $XXXX   date  :XX/XX/XXXX   XXXX XXXX    Account Number: XXXX****     date opened  XX/XX/XXXX    amount $XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX XXXX    Date of inquiry: XX/XX/XXXXXXXX    Date of inquiry: XX/XX/XXXXXXXX XXXX    Date of inquiry: XX/XX/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 2019-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Received a letter from "XXXX XXXX XXXX" and a check from "XXXX XXXX XXXX." in the amount of $XXXX. The letter indicated that the check was to cover the amount of legal and administrative fees associated with the winnings. I deposited the check into my USAA checking account on XX/XX/2019, and followed up the next day with the bank to see if the check had cleared and been deposited into the account. The USAA representative (and the balance on the phone app) told me that the check had cleared on XX/XX/XXXX. This conversation was recorded. On XX/XX/XXXX, I sent out a check in the amount of $XX/XX/XXXX for "fees" as directed by the letter. On XX/XX/XXXX, I was alerted by USAA that the check from XX/XX/XXXX had bounced. Had USAA not repeatedly told me that the check had cleared into my account, I would not have made any additional steps. I have been defrauded by this company but I was also not protected by USAA as their representatives gave me deficient information that led to me being defrauded by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
The problem bank is CapitalOne, , Exp XX/XX/XXXX this Visa card was issued to me XXXX XXXX XXXX and for over a year I can not view this account, why?In XX/XX/XXXXthis bank informed me that they were sending me a new card, which I did not receive after a month of waiting.  I called the bank and requested that they cancell that card.  About 10 days later I received the new card but was informed after attempting to use this new card that they had cancell this card.  Over this past year it has been impossible for them to allow me to access this account for one reason after another of lies and harrasment.  I called their bank numerous times spending 30 or forty minutes attemptimg to get access to this account. As they have purpus;y blocked me claiming that they needed proof that it was me they were communication with.  More lies on their part, why?  After they informed me that they had changed my credit rating I contacted the Consumer Protection Agency...several times...to this day I am not able to access my account to see the errounous late fee charges that they claim but are not entitled too.    Finally several months ago they sent me reminder after reminder of forth coming payments to my email address that has not changed for 15+ years.  I called to make a payment and was asked by their employee if he could charge my XXXX  account. I then asked to speak to this mans supervisor after42 minutes of conversation he hung up on me.  I had asked to create a new password to enter a new account that they had created but never informed me of.  Since  that conversation I have had to call to make a payment on the unknown account.  My most recent dealing with this bank was again another failier, howerver, the native english speaking woman was most helpful untill I requested that I be allowed access to change or add a new password and was informed that department was not responding.  I guess they  hope that I will die or go away but for sure thay have no intention ‘to do the right thing’  So...Here I am requestion you to assist me as I know no other way to get them to respond.  This Capital One organization  thinks that they can  ‘get away with anything’ as they also have the credit rating company.  Why am I not allowed to see this new account whic they want me to pay on, with their laet fees and what ever else thay can concock to steal my money?XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I worked for this company and I know exactly who is calling me and that is a HIPPA violation when Ive asked them not to call me as I know all of the employees and it is illegal to keep calling me when Ive asked them to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nations Direct Mortgage, LLC
State: FL

Complaint narrative:
I Apply for Loss mitigation package from Nations Direct Mortgage with the help of Housing counselor from XXXX XXXX XXXX XXXX XXXX, Loss mitigation was sent on XX/XX/2019 via fax by the housing Counselor,  with all documents request it. Since then I have been sending 5 different packages of documents via fax and email as well. Each time they asking for documents that we already had send previously. 
I have fax receipt, proof of sending emails and letter from Nations Direct asking for the same documents again and again. They have also asked for a bank statement from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
It has been 2 months already going back and forward and no answers. So my Housing Counselor XXXX XXXX recommends writing a complaint to Nations Direct Mortgage.,  But help that request it since XX/XX/2019 I Should have an answer already. 

Thanks, XXXX A.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX i called Capital One to pay off balance in full $XXXX.  On the day I called I asked for the full pay off amount including interest. The woman I spoke to, who was the supervisor, calculated the interest on the account  and included more just to insure that the interest would be covered. I payed a total of $XXXX which i was told would bring the account to XXXX. On XX/XX/XXXX I logged back into my  account to see if the payment was posted and noticed there was a credit on the account for $XXXX. I called Capital again to verify that there was a credit on the account and the person I spoke with told me I over paid the interest due and I had the option of keeping the credit on the account and using it towards future purchases or having a check sent to me. I opted to have the $XXXX mailed to me in a check. On XX/XX/XXXX I noticed that on the XX/XX/XXXXthere was a finance charge posted to the account for $XX/XX/XXXX. I called Capital One about this discrepancy and the supervisor i spoke with was trying to tell me that the $XX/XX/XXXX was not a credit but was there to cover the finance charge. I informed him that this is not what I was told as previously stated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
I have disputed the balance reported on my credit report withe XXXX  twice. I have contacted the Collection Agency and the Client to resolve the issue. The client provided me with a  statement that validates my balance is XXXX. I also provided a detailed statement from my insurance provider that shows payment was processed. I actually owe {$83.00}, which I am more than willing to pay. However, the balance reported needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I applied for a position at a hospital. XXXX XXXX (XXXX   XXXX) ran a background check on me, which is perfectly fine. However, when I viewed the background check, they have my SSN being issued between XX/XX/XXXX-XX/XX/XXXXand I was born in XX/XX/XXXX! Additionally, they have that I went by 3, yes-count them, three different names! I have NEVER went by another name in my life! This is a real issue! Is this from Experian? What on earth is the problem?!?!? Has my identity been stolen?!?!? Is this part of the reason my credit has gone down?!? I desperately need some help with this as you can plainly see. Please, please someone get back with me on this! Thank you very much for your speedy response.

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