vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-24 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: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX 1. Hsbc Bank XXXX XXXX XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX 1. Hsbc Bank Usa Na XX/XX/XXXX 2. Hsbc Bank Usa Na XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: DC

Complaint narrative:
I was contacted by Medical Revenue Service  at XXXX who left a voice mail on my work phone. I ask this company to not contact me at work. I also informed the company that I never received the bill and the person on the other line was rude and nasty. I continue to ask them not to contact me at my job. I ask them since I did not receive the bill could I have please have a hard copy of the bill and the person on the other line was nasty and rude and said no.

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 2019-05-24 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX.XXXX 1. Capital One Bank Usa XX/XX/XXXX 1. CAP ONE NA XX/XX/XXXXXX/XX/XXXX, XX/XX/2017XX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I got a personal loan from OneMain FInancial. I made a payment and then I had a personal family crisis arise which created financial hardship and inability to make the payments. OneMain calls me twice a day every day at work. I requested at least three times via email to stop the harassing calls at work but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: WA

Complaint narrative:
My Lending Club payments are due the XXXX in the amount of {$600.00}. I phoned in my XX/XX/XXXX payment on XX/XX/XXXX for the amount of {$630.00} to cover the amount due plus late fee. I asked the rep twice if I had avoided being reported 30 days late and she assured me I had. I also received email confirmation of the payment which I am uploading with my complaint. I followed up on XX/XX/XXXX when I noticed my bank account didn't reflect withdrawal for the payment. I made payment again that day over the phone and that rep said he would submit a trouble ticket to have a supervisor review my XX/XX/XXXX call for their processing error and that I would hear back from Lending Club. 

On XX/XX/XXXX, I received alerts from credit reporting apps that my Lending Club account was reported 30 days late causing my XXXX and XXXX scores to drop XXXX points. I called Lending Club twice that day, and the second time representative XXXX ( XXXX? ) informed me that it appeared the rep I spoke to on XX/XX/XXXX processed my payment and then for some reason cancelled the payment in error. The first rep did not mention this, nor did the rep I spoke to on XX/XX/XXXX. XXXX said she would submit a trouble ticket to have this issue addressed. 

I am involving CFPB in the matter because Lending Club has not followed up with me and has not been forthcoming with the fact that the rep who processed my payment cancelled the transaction in error, and this error caused my credit score to drop significantly. I do not have faith that Lending Club will rectify this with credit bureaus of their own volition in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Target card services, XXXX Acct XXXX Target contacted XXXX XXXX on XX/XX/19, according to their letter to me, and canceled my subscription. Therefore, not only did Target   hit my card for {$39.00} without good reason, and they are forcing me to pay it, but THEY CANCELED THE XXXX PRODUCT THAT WAS PURCHASED! See attached letter from Target   dated XX/XX/19. That means they are controlling both the purchase and the cancellation without my knowledge and permission. Dont I get a say in anything? If I have to pay for it, shouldnt I be allowed to keep it? 

I have attached all correspondence, 8 pages, received from Target. 

Furthermore, I suspect an immature Target  employee attempted to fraudulently use two of my credit cards to make small online purchases. On XX/XX/19, XXXX XXXX  notified me of a suspected {$11.00} XXXX purchase ; that card number was replaced. On XX/XX/19, XXXX assisted me with an obvious bad purchase for {$42.00} at XXXX, an account with a XXXX balance ; that card number was replaced. Pure harassment! 

The following is a summary of what has happened : 1. My Target  credit card consistently carried a XXXX balance. 
2. I misplaced my card and Target issued a new number/card. It still had a XXXX balance. 
3. At some later point, without my knowledge and approval, no email-mail-phone warnings whatsoever, XXXX ( computer virus protection ) was allowed to sneak a {$39.00} charge onto my new Target card number. I knew nothing about it. The software was auto-installed on an old, dusty computer I rarely use. 
4. In XXXX, I attempted to make a small purchase from Target online shopping to my Target card ; it was declined. Thats when I called and found out about the {$39.00} charge plus the {$27.00} late fee that Target added because I didnt make a payment. How was I supposed to know a payment was due without any phone/mail/email notification? 
5. My phone number and address has been the same for 30 years. My email address has been the same for several years, possibly 5 years. 
6. I called Target and angrily terminated my credit card. 
7. I filed a dispute with Target and it was denied. Their letter told me they tried to reach me by phone and since I did not respond within their unreasonable time limit they denied the claim. Meanwhile, they managed to get correspondence to me by postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: JPMORGAN CHASE & CO.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX 1. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I have been paying my federal student loans since XXXX. I started paying {$300.00} per month. I tried refinancing in XXXX with a private lender thinking that somehow I could save money but quickly went back to Sallie Mae. Year after year I was directed to apply for a forebearance/deferment ( I have no idea which is which ) since I could not make the $ 600+ payment that showed due at that time. Meanwhile, interest continued to mount. Finally in XXXX I was instructed to enroll in the income driven repayment plan. This should have been the original option given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: PA

Complaint narrative:
I own a small business that helps individuals recover funds from scams. Since Friday XX/XX/XXXX, Bank of America has withheld all of my companys revenue under a security block. No one notified me that they were holding my revenue or explained why they are doing so. They have also froze my merchant accounts that would give me access to any of this information. I understand it is against the law for BOA to take this action on my account without notifying me. I called them for hours a day from Tuesday-Friday to try and resolve the issue. My intentions were to speak with a representative from the security department so I can assist them in whatever they need from me to expedite whatever it is that they are investigating. I have independent contractors and bills that need to be paid. My frustration is that I have not received a phone call, email, or any message with information regarding this security block. After countless hours being transferred around to various departments and voicemails, I went in to the bank center where they simply gave me a number to call. I have spoke to one representative in risk management on Thursday   who stated that there looks like there is a security block on your account but that is all I can see on my end. We take tremendous pride in what we do at our company and my fear is that the lack of communication from BOA has now caused irreparable harm to my company.

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 2019-05-24 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: HUNTINGTON NATIONAL BANK, THE

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX   reports also i have already made report at XXXX 1. Huntington National XXXX XXXX, XXXX 2. Huntington Bank XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and Experian are incorrectly reporting an account that doesn't belong to me. The account is not mine. I have reached out the past 90 days to the Bureaus with no response. I am currently preparing myself to file a law suit. I have been a victim of Identity Theft in the past. I provided a certified and signed letter of dispute that was accompanied with police report. Account Name : XXXX XXXX Account number : XXXX Account balance as reported by the bureaus {$900.00}. Under the Fair Credit Reporting Act the Credit Bureaus were to respond to my dispute within 4 Business Days of receipt. They failed to do so. This account needs to be REMOVED and DELETED from my credit. It is ERRONEOUS and truly has hurt my credit worthiness. The Bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Under the FCRA section 609, I asked to be provided the ORIGINAL CONTRACT on File with said Creditor and the Bureaus failed to provide me with it. Thank you for your prompt response to this matter.

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 2019-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. BK OF AMER XX/XX/XXXX 2. BK OF AMER XXXX XXXX, XXXX 3. BK OF AMER XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I received a letter from a debt collector at my work. The debt is over 10 years old and they sent it to my place of employment. I have sent them notification to cease all contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no knowledge of the following inquiry XXXXXX/XX/2019. Please investigate to ensure there is no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: AL

Complaint narrative:
i have no financial obligation to this company and because I never signed for this accounT, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX A ) 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 2019-05-24 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: TX

Complaint narrative:
I submitted a dispute on my Experian credit report regarding an account with XXXX XXXX XXXX XXXX account number # XXXX. I have requested that this account be removed from my file. It was recently added to my Experian credit file without me being notified of its existence and therefore I was not able to dispute this article in timely manner. I also requested of Experian to send me any and all information regarding this occurrence such as when its was added to my file, a copy of the notification sent to me to notify me of this action, who authorized this filing and why was I never notified of the filing originally. I have also repeatedly asked Experian to update personal information on my file that is incorrect such as places of employment, places of residences, phone numbers and persons associated with me. I have never received notification of their investigation into my personal information and unless I purchase an upgrade to their company, im not allowed to see this information further. 

thank you for your time and support 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 2019-05-24 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: NJ

Complaint narrative:
Hi, Experian Credit Reporting has my date of birth as XX/XX/XXXX that is incorrect. 
My Birth day is XX/XX/XXXX. 

I have placed several disputes with experian and keep getting notified it has been resolved but they still list my date of birth year as XXXX when it should be XXXX. 

I've tried calling and it is impossible to speak to anyone. This has been going on now for several months.

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 2019-05-24 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: UPGRADE, INC.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports also i have already made report at XXXX 1. XXXX XXXX XXXX XX/XX/XXXX 1. XXXX XX/XX/XXXX 1. XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: ONEMAIN FINANCIAL HOLDINGS, LLC.

Complaint narrative:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 27 and 28 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
I recieved a call from a process server about paperwork for a civil suit. I got the law offices information from her. I called the law offices. This is about a payday loan taken out on XX/XX/2010. I have NEVER taken a payday loan out. I have had a title car loan with XXXX XXXX that was paid off in full. The name of the company who sold " my account '' to the law firm of XXXX? XXXX? and XXXX? ( XXXX ) case number XXXX is Ace Cash Express. Again I reiterate that I have not done business with these people ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting incorrectly a charge-off for the XXXX partial account number XXXX. This account was included in the bankruptcy and should be reporting a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. This account either needs to be taken out of charge-off status and report a {$0.00} balance and {$0.00} past due, or be removed completely from my credit report.

Company response to consumer: Closed with explanation