vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter 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 2018-06-30 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.

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 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, someone managed to withdraw {$760.00} from my checking account, leaving me with a negative balance. I did not realize my account was in the negatives until the following day, XX/XX/XXXX. Between that time, I deposited {$200.00} at a TD Bank ATM, paid for gas, and purchased a drink at XXXX without realizing my account was compromised. I never received a notification stating that I was, the only reason I found out was when I decided to do my weekly check up on my bank account through the TD Bank app on my phone. 

I immediately went to a nearby TD Bank in XXXX, NY and explained my situation. The employee who helped me issued me a new debit card, and filed a fraud claim for me. The following is what I stated in the claim : * I never lost my debit card, I even showed it to the employee before she gave me a new one. 
* The location that the money was withdrawn from was at a TD Bank that I've never been to. 
* This was the first time that I experienced bank fraud/theft. 
* The money had to be withdrawn on XXXX in the early morning ( XXXX ), because I deposited {$200.00} around XXXX. I can not provide the exact time because that information is not shown on my statement or account history, only the date is shown. 
* Assuming the money was withdrawn some time between XXXX, how could I deposit {$200.00} at a different location that was over 1.5 hours away. 

After I filed the claim, I waited 10 business days for a reply from TD Bank. During this time, I was also hit with a {$140.00} overdraft fee. The bank eventually told me that my claim was denied because according to them, my debit card was used, the PIN was entered correctly the first try, and the location it was withdrawn from was nearby my home address. I stated again that I never lost my card, and I have no records of ever going to this particular TD Bank ATM before. After speaking to the employee at the bank, and also calling TD Bank 's Customer Service, I was recommended to file a police report. Which I did. 

The bank employees told me that I should bring a copy of the police report to them so they could open up another fraud claim for me. However, the police told me that I can not receive a copy of the report. So I left it up to the police and detectives to take care of the situation for me. I also opened up a second fraud claim to classify my account as " under investigation '' to prevent it from being closed. I have waited over a month now and still have no word from the police/detectives and my fraud claim was denied again. During this time, my job continued to pay me by direct deposit so I was able to bring my account into the positives again and have access to some money. I have since withdrawn almost all of my paychecks as cash the day I get paid, to prevent the chance of facing further theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I tried to open a HSBC Advance Checking Account on XX/XX/2018. 

HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I  contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. 

HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. 
https : //www.us.hsbc.com/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I was notified, after disputing a collection on my account, that the account would be deleted. The account is being reported by a company by the name of XXXX XXXX XXXX. I have not borrowed a single XXXX from this company. I have no debt with this company and I never borrowed {$3700.00} from them. In fact, Ive never borrowed that amount from any other lender either. Which is why I disputed this account! I have asked for some proof of contract, with my signature, and the date XX/XX/XXXX, since thats the supposed date this account was opened on. None of this has been or could be verified by them. The account was in fact deleted from my credit reports on XX/XX/XXXX and I had also received notification from the Credit Bureaus that it was deleted. Between XX/XX/XXXX and XXXX XXXX this account was added back on to my credit reports. I received NO Notifications from any of the Credit Bureaus. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer, If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. I wrote a letter to the CB asking that they delete this collection immediately from my report because they broke the law and did not notify me of the reinsertion and This debt doesnt belong to me. The have yet to remove this account from my reports. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for their blatant disregard for the law. Therefore I am filing a complaint here, and with the XXXX, before taking legal action.

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 2018-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2018, financing a new car. Done it several times before, it's a familiar if detail-intensive and at times exasperating process. Just need to go through all the steps, right? 
WRONG! There's a new step I'd never imagined : EQUIFAX. After their massive security breach A YEAR AGO I activated a security freeze. Now I need to unfreeze it temporarily. No big deal, right? But today, a Saturday, the weekend day when more cars are sold than any other day, it was IMPOSSIBLE to lift the EQUIFAX credit freeze. Their website DOES NOT WORK. Not a new problem! A year after their data breach and they STILL CAN'T GET THEIR WEBSITE TO WORK! How much is this hurting the auto industry? 
Why can't the Trump Admin DO SOMETHING like SHUTTER EQUIFAX? ( rhetorical ) I'm so mad I can't see straight. The deal it's took weeks to find will be gone by Monday. And EQUIFAX is the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XXXX and paid for it with XXXX using Capital One Quicksilver visa card ending in XXXX. 
XXXX Item Id : XXXX, Transaction Id : XXXX. XXXX Transaction ID : XXXX The original listing claimed the item was open box/customer return and under manufacturer warranty. The item I received was tempered and the XXXX XXXX XXXX was swapped with a 750GB used hard drive inside the enclosure. I contacted Capital One and disputed the transaction. The seller XXXX updated item description and changed the item description to not working/no return. Capital One closed the dispute in seller 's favor based on the non-working description which was added after I made the purchase. 

The XXXX item after description was changed https : XXXX? XXXX & XXXX XXXX History for this item XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Item revision history clearly shows on XX/XX/XXXX after all 50 items were sold, seller modified item description and title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am very disappointed to see the seller dglet was able to get away with $ XXXX fraud ( 50 transactions at {$79.00} ~ {$89.00} per item ) and no action was taken by XXXX/XXXX/credit card company. From reviews I can find online the same seller has been involved in this type of fraud for years XXXX XXXX XXXX XXXX XXXX XXXX " This reseller bought to seagate a bunch of hard disks without warranty and he advertised as with warranty. I made the mistake to buy 1 as it is advertised " As good as new '' It came faulty, he refused to help, he asked me to call XXXX XXXX. I called and gave serial number, they confirmed that item was bought without guarantee from XXXX as a product faulty that may work, but not guaranteed. I have email from XXXX  that explained that this item has no warranty, but seller still insist that it has warranty with manufacturer and he refuses me to send it back and to pay the postage back. I feel cheated after call XXXX as they explained that this product I bought is the lowest category and they sell for little money to resellers so they can sell them for spare parts or fix them. I think this seller should go to jail as he is cheating people. I lost XXXX dollars, XXXX will not cover unless I pay international postage that can cost around 50 dollars. Seller knew he was selling faulty products, advertised that they had warranty. For me he is a criminal '' Attachments : XXXX order confirmation -> ORDER_ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card statement -> XXXX XXXX Transaction confirmation -> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am writing to file a complaint against Ability Recovery Services Collection Agency who has failed to investigate fraudulent accounts opened under my name at a school that I've never attended. This school is an online program which I have never attended nor signed up for education. They have added ( 2 ) account to all ( 3 ) credit bureaus and even after sending proof of police reports and identity theft, as well as disputing these accounts, they have failed to remove them from my credit reports. The accounts are {$370.00} and {$460.00} and are hurting my ability to obtain credit. 

I have been since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX. I did not sign up for any educational services with XXXX XXXX as I am a current XXXX XXXX  at XXXX XXXX University and have been since summer XXXX, enrolled in a XXXX  program which requires a XXXX XXXX, which I obtained in XXXX from XXXX University where I initially enrolled in XXXX of XXXX. This can be verified thru the XXXX XXXX XXXX or by contacting either university directly. 

With that being said, I have absolutely no reason to sign up for any services with XXXX XXXX as Id already had ( 2 ) XXXX degrees ( during the time youre stating I was enrolled at this school ) and will be graduating soon with a XXXX XXXX. There is absolutely no way I could have combined universities with the workload I carried during my XXXX classes at XXXX University as I was already a XXXX XXXX taking XXXX credits per term. Whoever signed up for classes with this school did so in a fraudulent manner. 

I am requesting that this agency investigate this matter and correct this as soon as possible as this is hurting my ability to obtain employment in my field of degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
First contact from " collection agency '' Natrional Credit Systems, XXXX XXXXXXXX, XXXX XXXX XXXX was a letter dated XX/XX/XXXX. 
Letter stated they were collecting a debt for " The XXXX Apartments '' I did at one time live in The XXXX Apts., however I moved out on XXXX XX/XX/XXXX, having paid rent through XX/XX/XXXX. 
Until I received the letter from National Credi there had been no contact made with me concerning any " debt ''. 
National Credit claims they are attempting to collect a debt in the amount of {$1800.00}. No explanation gives as to what the debt concerns?? 
Also, National Credit has already reported the debt to all three Credit Bureaus, without any previous contact with me to resolve the situation. 
I have also filed a complaint with the XXXX  Atty. General regarding this " case ''. 
I have researched XXXX Credit Protection Laws and can find NO documentation that National Credit has filed a Surety Bond allowing them to do business in XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to file a complaint against Hunter Warfield Collection Agency who has failed to investigate a fraudulent account before adding it to my credit reports. I have disputed this account at least 5 times with no changes. They have added an account to all ( 3 ) credit  bureaus and even after sending proof of police reports and identity theft via fax, email and certified mail, they have failed to remove them from my credit reports. This account it totaling over {$10000.00} in apartment damages. 

I have been a victim of identity theft since XXXX when someone used my identity to file a fraudulent income tax. I have also lost a wallet containing all of my personal information back in XXXX which seems to have resulted in the tax identity theft. Due to all of this, I have been forced to file bankruptcy twice the past 5 years due to items showing on my credit report. 

I am requesting that this agency investigate this matter and correct this as soon as possible as ASAP as this is hurting my ability to obtain employment and/or maintain a good credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC
State: WA

Complaint narrative:
I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SRA Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2018, I returned a leased XXXX XXXX XXXX to XXXX XXXX XXXX in accordance with my lease. The lease was for 2 years and XXXX miles and the car was returned with XXXX miles, within the lease agreement. I subsequently received a bill from XXXX XXXX XXXX for {$3200.00} which included {$2600.00} for excess mileage, {$350.00} for a disposition fee, {$230.00} for sales tax, and a reduction of XXXX for an overpayment. I contacted XXXX XXXX XXXX about the erroneous billing, and after researching the file they agreed the billing was in error, removed the excess mileage charge and waived the disposition fee, which eliminated the sale tax and agreed to refund the {$19.00} overpayment, which they did. 
Subsequently I received a call from a debt collector, XXXX XXXX. After researching the file again, XXXX agreed there was no amount due. 

I then received another from XXXX XXXX agent claiming the amount was due. I explained the error to the agent but she would not listen. I sent a letter to XXXX and to XXXX XXXX requesting letters clarifying that no amount was due. Neither responded to my letters. 

Now I receive a letter from another collection agency XXXX XXXX, XXXX requesting payment for the same erroneous claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
In XXXX of this year I tried to close my account at XXXXXXXX XXXX XXXX XXXX XXXX due to fraud. 
I closed all direct debits to this account, but despite this, Citizens Bank has refused to close the account. 
The bank says I currently owe some {$150.00} on the account. 

I would like the account closed and a reversal of these fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion customer service would not help and take care of the Unauthorized negative inquiries reporting to credit report. 

Unauthorized inquiries desired to be deleted XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX National Credit Cards/Airlines Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX   XXXX, 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 2018-07-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I RECEIVED MONTHLY STATEMENT REGARDING MY XXXX ACCOUNT & I FOUND THEY DID NOT ADD MONTHLY INTEREST IN THIS ACCOUNT. THE CUSTOMER SERVICE OF THIS BANK WAS VERY BAD. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. I THINK THIS IS FRAUD THAT THEY DID NOT PAY INTEREST IN 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